It could be that you unit count has exceeded this threshold and that is why they are increasing your premiums so much.We have been using State Farm for the insurance on our properties. 

Leverage and buying below market value will beat retail paper buying without leverage about 4x over time in my experience, not even counting the tax advantages. 

Do not count on the future. 

Total count in the community is 100 with again 51 of them for sale.

But in most major metro markets I would not count on much short term capital appreciation at this stage.

same thing those will usually have a sunset and investor may or may not put their money back in .. in bad situations you can count on investor freezing up.then you have wall street they are going to be like banks.. although with the notes that are in force with long maturities they have to honor them.. but may not extend new deals.There is always some lending and there are certainly small mom and pops with their own cash.. but tight market affects all.. that's from my 3 decades of being a HML ..

Typically, 75% of rental income counts towards DTI.  

Most syndications are counting on a refinance or sale event to cash out equity investors.

The best GCs are going to want a guarantee of payment for their work.Seems like you've double counted carrying costs as you also have "loan interest" at the bottom.Good luck.

Option one would be the count the property as originally four units and since you are selling one of the four you might be able to use a cost basis in about 25% of the property.