Quote from @Charlotte Wilson: Maybe I am overthinking this but when I look at properties to purchase that I plan to rent out, how do I make sure I am including all the potential additional “cost” besides the mortgage and property taxes?

I plan to live in unit 1002. 

I would recommend buying a standard SFH with opportunities for an ADU, or a split floor plan where you could rent out the rooms!

Every REI has a starting point, a build up phase, and an exit phase (this doesn't have to mean out of REI...it refers to cash).The key to determining this is based on an investment plan, and where the REI is in that plan. 

We plan to fix it while living in it and convert it into a short-term or long-term rental.

Planning and initial construction have begun.

I plan to sell the land and which option would maximize my value?

If you plan on eventually selling, central air would add a significant value increase, so you may consider if that's the case. 

I plan to utilize the BRRRR method in and around the Augusta area through a SFH or duplex.

I think, as we plan to rent it for all of 2026, we could refi into a DSCR loan?