I understood that with the free membership we get 3 uses of the calculators, well I used it once and on the second I was told I exceeded my uses!!! 

As long as you haven't exceed the cap on personal mortgages and meet all of the banks underwriting criteria ( front and back DTI, appraisal, ect) they should make a loan. 

I quit when it was apparent that my RE income was going to exceed my W2 income that year and the hours I was devoting to my "day job" were detracting from an even better bottom line.

Create a strike price in your mind and do not exceed it.Gino

At that point their revenue impact may far exceed his unpaid taxes.

I also think your calculated costs are way too low, 2% maintenance is a pipe dream, you should always pay yourself a PM fee, Capex (unless its new) will exceed 5%.

If actual costs to meet the AS IS Maintenance Requirement exceed escrowed amount, Seller shall pay such actual costs.

Once they list that property (Oh btw they will use photo shop to make the property look as clean as possible) buyers come to preview and they are totally turned off, local buyers agents know it's over priced do not take buyers to preview, if someone offers under the seller rejects or counters at the same overpriced number, days on the market starts to exceed, all the investors are totally rejected, then one buyer comes in at full asking price which is probably an FHA buyer, the appraisal is conducted, comes in under by $75k and the properties back on the market. 

If we already know that its required we order both at same time or else whenever underwriter asks for the same.Also, Appraisal Fees are cannot exceed than what is disclosed in your Loan Estimate or Initial CD(if already disclosed) unless the Lenders provides a new LE/CD with Valid change of circumstance letter.

Are you referring to tax regs that prohibit losses over a certain amount due to exceeding certain income brackets and not working RE full time?