You’re not going to get anywhere with an attitude like that. If little comments like that get your panties in a bunch, you’re not going to get very far.
First of all, what I think you’re looking for is a cash flow analysis of some kind. I think some call it a proforma. It’s basically an income and expense sheet.
How do you factor home owners insurance? Well you call your insurance company and ask how much an investment property policy is. Divide that by 12. If they don’t write such policies, you can ask about their underwriting policies, or just move on to another insurance company.
The mortgage insurance I believe is usually 1% of the loan - divide that by 12 (months) and you pay this until you are at 80% LTV - loan to value.
However, getting bank financing for a 1st time investment with NO CASH on the table will present multiple challenges for you/your company.
From your post, I would advise you to SLOW DOWN. Take out a few books and read them. Don’t take out guru books. You want nuts and bolts type books. Bronchik is good. Also, you can scroll up to the top left side of this site and read articles that are pretty informative.
Also, dude, you’re going to need to understand that cash flow analysis are usually, almost always wrong. Something is always missed and/or at the very least, underestimated. Things you thought were 10%, 5% and 3% of you monthly income are actually, 14%, 9%, and 8%, respectively.
Bottom line is, if you need to take out a loan, pay for prop management and have high taxes (2800) is a pretty high man - that all EATS AWAY YOUR “PROFIT” PROJECTIONS!
Unless you have some good operating funds - CASH AVAILABLE, you could easily find yourself in threat of foreclosure or at the very least, your back against the wall, having to sell to a fellow investor who can pay cash - and leave you with jacksh*t.
Slow down…good luck bro.