Organic rent growth should typically match inflation.

I've looked through recent sales (trailing 12 months) to determine similar cottages with similar lakefront amenities, and although none are as small (most are 1000-1500 sq ft), I determined what I feel is fair market value based on cost/sq ft.

Also using a percentage of revenue is inherently flawed, I assure you that whoever you have doing your maintenance or improvements will not base their pricing on what you receive in rent.That said I understand that some we need to have some convenient way of budgeting for these expenses.

The real question is how much interest rate and how many points based on your specific profile, which will become clear when you provide all your information to a mortgage lender? 

@Zachery Hitchcox & @James Thomas:Although there's a small group of us here on BP who are based in Japan, I do not recall seeing this topic before. 

Making $25k over summer concerns me based on the estimated value of your home.

You may want to see if you can claim real estate professional status now or sometime in the future based on your participation within real estate of being a landlord in addition to being an agent.You may want to have your past couple of returns looked at for review to see if they were done correctly.

These loan don't let you close in your company name because they are based on you.Portfolio - I'll define these loans as loans that come from the bank's own "portfolio" of money.

The XIRR formula is much more flexible and is based on the dates of the cash flows for the project.

Find someone fee based who can talk you through what your finances and options could look like if you do or don't sell all or some of your properties.