Based on the price of your property and the depreciation allowance, the 1031 could have still been in your favor.

Sellers do tend to view Conventional loans more favorably than FHA.

Typically, a broker's NOI calculation favors the seller by omitting or under-counting expenses/reserves.  

But, dang, this deal is favoring the GC for sure.

Year over year the market looks less favorable. 

If this were to go to court, the judge may not look favorably on you for trying to get 11 months of rent out of the estate (if he even has much), and this is not the family's responsibility if their name isn't on the lease.

Since they cannot put yopu back the way you were( called making you whole) most insurance will go ahead in stead of facing the cost of a judge who would probably rule in your favor.

Otherwise, your numbers won’t be in your favor.

The 3 credit bureaus view mortgage inquiries very favorably because acquiring a mortgage gives you as a borrower an asset in your name.

I find it's both easier to calculate and more favorable to the borrower to just use the rental income..