Plus, it always seemed like they had the worst % of "tenant never replying back from my reply to their initial inquiry." 

I always take worst case scenario into perspective. 

Worst case scenario is if I do have to pay 1.25% more for a 203k loan, I will only have to bear that higher interest rate until I have enough equity and can refinance - which should be after renovations are complete - and assuming the market stays the same - and I will have a lower rate (minus MI) then. 

The A/C is set low and is always running, and its always dark inside because the lighting was originally designed just to supplement all the light  the original double-glass doors let in.Not all service station minimarts sell equal amounts of convenience food.Invariably, the worst places are located in a food desert and run by independent operators.

Worst case I get three more doors.

The septic contractors have told me to expect at least a $10K to $40K job to fix the issue if the worst happens, such as with backup into the yard or the basement.

She may be conditioned to expect the worst and needing to be the squeeky wheel to get anything done. 

So, consider worst case scenario in an 8 plex.

Both Wallethub and CNBC both listed RI as the worst place to start a business. 

Thank you @Frank Jiang I am trying to do the numbers as "worst case scenario" I think this calculator is like you said there must be some algorithm  that's not calculating right, because even if i took off the "property tax" completely, the CoC comes out to be only 1.1% which is completely jacked.