I believe I originally got it from BP's files but have slightly adjusted it as needed.In general, keep everything (expenses, vacancy, repairs, etc) as percentages.

Details: C-class property in a C-class neighborhood in SE Virginia 3/1 SFR: $37K to acquire and $30K for rehab (redoing just about everything). 75K-85K ARV $750 a month rent, 12% vacancy (property manager tells me 8% is more likely but I want to be conservative), 10% property management, 7.5% repairs, 5% cap-ex, all utilities paid by tenant, property tax adjusted to an ARV of 90K. 

Indiana has apparently adjusted (likely based on your sales price) for 2019 and at the end of the year, you'll owe that higher amount.Four questions you should ask the settlement company (not necessarily your agent):1.

The February decline in jobs was the first in the sector since 2012.Other sectors losing jobs include transportation, warehousing and utilities, down 3.2% in the 12-month period, and financial activities, down 1.5%.The best job growth in the past year has come from the professional and business services sector, up 2,700, or 2.5%.Jacksonville's job growth lagged behind Florida's statewide growth rate of 2.4% from March 2018 through March 2019.Florida's statewide unemployment rate was unchanged in March at a seasonally-adjusted 3.5%.The Department of Economic Opportunity does not provide seasonally-adjusted data for local unemployment rates.Duval County's jobless rate, without adjustment, fell by 0.2 percentage points to 3.3% in March.St.

I move just about every year in college and I could pack most of my stuff in short time and dump the furniture and be gone in a matter of a couple of hours.There are units in the SAME building for $1250...... very easy to move and save $150/month...assuming the units are near identical.

Are you currently with Velocity facing an adjustment or just looking for a second quote to beat it. 

Note: If you determine there are in fact vacancies, I would fill-in the vacancy with rent identical to the others so I can see what the numbers look like fully occupied.

Are there lenders who work with self Employed that could adjust my income by adding back my travel?

By adjusting the P&I to 30 years, which makes the P&I $232.67 (instead of $290.51) and you cash flow would be $208.66 with a Cash On Cash of 17.12% (instead of 12.37%).

If you are outpacing inflation than "rock on", if not, overtime the cashflow goes down from a real dollars (adjusted for inflation) perspective.