When the property is completely rented out the numbers should be as followed : Rental income: $3150Property Management: $150 - Low, I know. 

Please advise how we can grow our business buying small buildings with High cash flow but Low Market Value appreciation.

I'm finding that the loan amounts at 75% LTV are too low.   

Both are low end homeowner / mid range rental areas.; meaning relative to Baltimore. 

Grab the "book on estimating rehab costs" from this site and then side by side material costs at Lowes/Home Depot.

Yes I understand that at end of day it'll still need to rely on buyer due dilligence to verify and it's a risk management decision, but tax return filing does carry more weight than seller's income/expense statement in my mind. 

Had an low ball offer rejected but built some rapport with her on the home.

The issue is the savings associating with paying down the mortgage is so low that almost any investment is likely to out perform it. 

@Slade Harrison it sounds like an average, low doc, investment property loan.

Are you comfortable submitting a lot of low offers?