I've attached a soft estimate I received.

When applying for a DSCR loan, lenders typically assess the property's income-generating potential and calculate the DSCR to determine the borrower's creditworthiness.

We have no idea what type of loan you are receiving nor the downpayment program. 

The forums are a great place to read about whats going on in your local market as well as read up on topics of interest.I'd recommend setting up keyword alerts to receive notifications anytime a topic/area of interest in mentioned.I would also take some time to complete your BP profile.

Because of the zoning cert you received at closing?

I talked with a commercial loan officer and he said typical rates are 6% with 15 year amortization.

The 8% you mentioned is a typical fee for LTR PM.

:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+, zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680, some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

Typically we take photos before people move into the property that also serve as our advertisement photos in the future

In our local market many areas have extremely limited options for rental properties and units priced appropriately are typically filled quickly.