your running a bunch of different concepts together.. suggest you really get a little more educated on the subject before just asking for advice on the internet.. we do a ton of infill building each market is different.. and there are about 3 or 4 different insurance products.. so you need to be specific..  

I usually set myself a maximum price I am willing to pay per door, but I have gone beyond that on this one because of location and its quality units.

There are many appraisers who will never change the value no matter the quality of your comparable sales. 

I have replumbed many homes in PEX it is the hot ticket, I recently purchased a Propress for crimping copper and also got the jaws for F1807 Pex rings, but i see Ryobi now has a cordless pinch ring tool for a reasonable price. https://www.ryobitools.com/power-tools/products/de...     

Lower price 2 million and below high quality assets many are purchased all cash so they do not care about debt versus cap rate spreads and interest rates rising etc.

So if it’s not you maybe it’s a quality real estate agent or property manager or even other investors. 

I'm asking for a bit higher quality in the accents (a few barn doors, more tasteful tiling).The two other quotes came in at 228K and 250K.

The fact that I have a multiple product discount helps greatly.

A quality tenant isnt molded by me.

There are lots of loan products for first time buyers including low down payment etc.