What a great discussion going on here and it comes at a time when I’m trying to fine tune my math.

@Robert Bryan Calvert your math is different than mine on pre.

Pay your daughter up to $12k for chores like cleaning the house, rooms, cutting grass, shovel snow, filing, data input/entry, detail the cars, painting, baby sitting, homework, envelope licking, helping you do your chores, social media posts, modeling, etc. no ss or medicare taxes if you pay her personally, as opposed to paying her from your rental company. 

well, if you're a newbie and aren't sure how to move forward then you need to return to the drawing board. get some more researching and studying in. some opportunities will be a bit much from a newbie perspective. there's plenty of information available here on BP for homework purposes.kudos,Mary  

So if you are using commercial/portfolio loans then the math will be up to each bank individually. 

The 2 Mao are close so I think I might have done the math wrong.before under contract, I want good numbers for multiple exit strategies.

Or is there a math behind it?

Even if you work with a PM, do your own homework on Zillow first so you can talk intelligently.You also need to be objective.

I never include appreciation when assisting clients with their math.

I don't mean to question your math, but curious what the house would rent for.