If this is your final takeaway from all the comments in this thread, then you are either misinterpreting and misunderstanding everything or you are being stubborn and regardless of what anyone states, plan on sticking to your opinion.

@Ryan Zaninovich, if you're not stubborn on active buy and hold play only, consider investigating syndicated opportunities.

Some might say I have put principles ahead of profits, others might call it being a stubborn bullheaded SOB.  

Sometimes REO property is listed above fair market value, where the bank is stubbornly clinging to the idea of being made whole on the defaulted loan.

Stubbornness.

My wonderful girlfriend calls me hard headed/stubborn but I feel that if I am going to make it in REI I need to stay aligned with my goals and push through the obstacles.

Stubborn gonna stubborn. 

We are stubborn, hard headed, and nothing will get in our way.

That has been my experience as long as you have a 1.25% or higher DSCR.I would defiantly use the bigger pockets rental property calculator and show the results to the bank, sometimes they can be stubborn on values as well but this is something you can come with accurate comps from an agent and your own personal financial pro forma of the property.Also, don't take the banks appraiser at face value, you may have to defend your position against one and it helps having the numbers in hand...Good Luck!

but I knew that between the robotics and other stuff I could not figure out what you mean.. your a driven dude.. and I was one of the first to give you a little bit of tough love.. but once you cracked the code your a winner.. but then again you would win at any sales and marketing you just happened to chose real estate.I was always a rebel, stubborn, not much faith in the knowledge of others.