The other thing is are the calculations being done based upon the duplex also generating income which is added to your totals? 

I have a business binder prepared explaining the BRRRR strategy that I will be using and a BP calculation printout for my first potential deal.

Currently using the BP rental calculator.

When using the rental calculator, is there a percentage or figure you use to figure out what insurance will cost?

Until then the baseline for LTV calculations is the purchase price ($100K), so no ability to refinance out cash* For residential (my name / fannie mae, freddie mac lending), before 6 months they can re-appraise, but the loan can't be a "cash-out", the max loan amount is the financing basis - so if the title work said the 1st lien was $90K, that is max loan, if $140K then that is the max amount

Do I need to back out the 10 years of depreciation from the 27.5 asset life in order to calculate this year's deprecation (as in using the depreciation figure from Year 11 out of 27.5)? 

The lender does not calculate the fact you have a partner and they pay half the costs!

View report*This link comes directly from our calculators, based on information input by the member who posted.

But then I found my resource for finding rent was likely not so good, and also that I might be calculating RoI wrong. 

I built myself a calculator to analyze deals and I wanted to run this property past you.