I liked using then as they would price down to 6.25% on a 30 year  with a 5 year adjust.  

Don't be surprised if you find you have to adjust down the road (everyone has to adjust their strategy at some point).What I've read time and time again on here is that people acquire numerous smaller properties, then transition into a larger (50+ unit usually) complex which allows them to leverage on-site management efficiencies.

Always listen to the market and adjust.

My 0.013 (adjusted for inflation).

.$10,000 in discount points is up to you, but with a DSCR of 1.1, they're necessary to get the rate down to an acceptable ratio.There's no reason to show the adjustments to the rate but they do.Underwriting fees range from $995 to $1995 in the DSCR world. 

Others may feel differently or their markets may need numbers adjusted. 

I recommend you do this each year to adjust for utility increases and other variables.

I try and adjust even comps from a month away according to how rates have changed

State Farm recommends tenants have at least $100K in liability coverage but to adjust that value up if you regularly host people at the house, or have things like pools, dogs, basketball hoops, etc. 

I found this deal on the ML, it took 8 months to close because of lot line adjustments and whatnot.