He is estimating closing cost of 6,000 that includes survey, appraisal among other things which I thought sounded high.

If you would like, I would be happy to review the loan estimate for you to make sure you are getting a good/fair rate.Just a clarification, this could not be an FHA 203(k) loan unless it's your primary residence - this will be an investment property, correct?

I estimated there were 200 tires in the basement.

If property appraises higher, we can take more cash out)$1,736 / month (principal and interest) About $8-9K Cash Back (with all fees below and estimated escrow reserves financed in)$11,824 Discount/buydown Points$1,295 Underwriting Fee$920 Title and Escrow Fees$175 County Recording Fee$530 Appraisal (if required, is the only upfront fee since the appraiser is a 3rd party)Option 2 - 2.599% - 30 Year Fixed - Rate and Term Refinance (No Cash) - Lowest Monthly Payment2.599% Interest Rate with 3.37 discount points (discount points are a pre-paid buy down on the interest rate over the life of your loan)$1,625/ month (principal and interest) Loan Amount $406K (with all fees below and estimated escrow reserves financed in)$13,682 Discount/buydown Points$1,295 Underwriting Fee$920 Title and Escrow Fees$175 County Recording Fee$530 Appraisal (if required, is the only upfront fee since the appraiser is a 3rd party)Option 3 - 2.799% - 30 Year Fixed - Rate and Term Refinance (No Cash) 2.799% Interest Rate with 2.075 discount points (discount points are a pre-paid buy down on the interest rate over the life of your loan)$1,647/ month (principal and interest) Loan Amount $401K (with all fees below and estimated escrow reserves financed in)$8,321 Discount/buydown Points$1,295 Underwriting Fee$920 Title and Escrow Fees$175 County Recording Fee$530 Appraisal (if required, is the only upfront fee since the appraiser is a 3rd party)Thanks for your opinion! 

Remodel was more then anticipated - rent estimates are not higher then originally anticipated.

Do NOT take the wholesaler's information on estimated rehab cost into consideration when running your numbers.

I would suggest the same Trulia and Zillow and see what apartments are listed forI use BiggerPockets rental estimator but id say its very similar to rentometer

The original estimated taxes due/assessment  was sent out over 6 weeks ago in FL if I remember correctly and taxes start to become due on 11/30 (to get full payment discount). 

For Fort Worth, I use 2.7% to estimate the annual tax rate. 

The seller owes the bank 240K, my contractor estimated 20K for rehab, ARV is about 355 - 360K my question is do I need to put 25% down when refinancing?