Where could you invest that money for a better return when you include adjustment for tax-free?

It is a rougher area, but some blocks are better than others. 

Now that 10% return begins to look a lot better.  

But in today’s interest environment she would be better off buying an annuity.

better to get into a brrr strategy with fix and flip to be able to potential pull your initial investment out and keep it rolling over into the next project 

I don't mind borrowing if the long-term payout is better. 

If you do the math, when you get to 6+ bedroom houses, the numbers work out better with living for free and also cash flowing while living there.

If for example a home is selling for $225,000 it will have an estimate of $1,462/month.With 25% down the calculator shows: $1,023 per month Principal and interest $806Property taxes$125Homeowners insurance$92How can I get a better idea of the total including everything? 

Do keep in mind as well that there may be a value placed on a more long-standing relationship with one person/firm as they'd have a better picture of your situation overall.

In my experience, the Schlage is better and it isn't even close.