Why dont you have property insurance in your calc? 

They offer a free phone consultation.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

Looking for a  good, good  Insurance company.

my insurance went from $1200 to $2400 to $3800 in 3 years.Doing a shop this weekend. 

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

Thanks in advance.Buyer 1 is offering:$130K Purchase Price10% down payment10 year term, 30 year amortization, and 5% interest Buyer 2 is offering the following options: $135K5% down payment20 year term, 30 year amortization, 5% interest$135K3% down payment15 year term, 30 year amortization, 5% interest$141.7K0% down payment (rolled over into purchase price)15 year term, 30 year amortization, 5% interest

Minnesota does offer more appreciation than other Midwest markets and has traditionally been a balanced market for cash flow and appreciation, which I think is ideal.

Did you find their offerings to be clean and free of liabilities?

Taxes, insurance, maintenance costs, etc.