I look at price and the coverage I get for that, I want all the quotes I get to have about the same coverage for dwelling, same coverage for liability, and have the same deductible, also having the same amount for lost rent is important.

Furthermore, your return will look pretty much the same as your deductions are the same.

When they get your SchE, they will take 75% of the annual rent received, then subtract all the deductions you claimed.

Since you haven't had it long enough to file a SchE, they will use your current taxes and insurance for deductions. 

They put down 20% and get a CoC return with their cash flow and take advantage of depreciation, mortgage pay down, interest and property tax deduction and of course some appreciation.  

Think of it like borrowing to make a chunk of Payments upfront so you can enjoy the lower monthly payment, higher cash flow, and big tax deduction saving you $$.The only negative is the higher loan amount and “advance” you took on the equity; however, I Guarentee you the value of the $ Dollar you took today, will be far more valuable than the dollar you don’t recoup in 15yrs (opportunity cost of your money is better today than the inflationary environment in the future).

@Levi Ballard do you have Jim’s contact Info?

@Travis Odette, If you're talking regular income then it's all part of your operations which includes income, expenses, and deductions for tax purposes. 

If I were to account for the mortgage / taxes during the 3Y period, on sale I would get it all back anyway, in the form of deductions or equity I put in the property.

The IRS is a bit more generous when it comes to rental properties compared to deducting costs related to your personal residential property.