I really appreciate your expert advice and insight as it is of great value to me and everyone around.

I think it's perfectly fine to ask someone for a second opinion especial if the person your working with is not a specialist in the field.There are a lot of folks like you that come to me that been with accountants for a long time but their life changes or they start earning more or doing things differently that effect taxes and those are times you want to find someone who specializes in your field. 

But one of them that I sent my documents to, his phone is always off and isnt replying to me.

Hey there, this deal doesnt make much financial sense to me, im not an appreciation type of guy and i dont know the exact play here, but a cashflow of 183.16 for an initial investment of 27.5k money down means you would need 12.5 years to recoup your initial investment, the market there is heavily saturated and wont provide you much cash flow, if you are already factoring in property management, then you might want to look further away for better cash flow, im in the process of purchasing a 4plex that will cash flow me 1,500 mnthly after all expenses and accounting for vacancy on a 175k loan

If something were to happen to me, she is obviously covered.

Not sure how expensive that would normally be but definitely doesn't seem like an emergency to me and doesn't explain why we weren't contacted.

Looks to me like it would be marketed mainly to owner-occupiers, who won't mind the negative cash flow, because its ongoing cost is less per month than if they were to buy a new SFR instead.What doesn't look right about the report?

To me I would rather flip for a couple years making it possible to get to the 117 much faster if that was my goal

We just deeded the house back to me prior to closing. 

She will be turning it over to me (everything in my name, Deed, title, mortgage) with about 83k left on the house.