Need Help Analyzing a Deal

[Adama Bah]

Hi fam, 

I need help analyzing this deal if someone doesn't mind sparing their time to help. Much appreciated. I used a bigger pocket BRRR Calculator but my cash to close is not the same as what the lender provided, which should be around $84000. I would also appreciate the advice on where I need to improve. Thanks

ACQUISITION:

Purchase Amount: $395000

Interest rate: 13% for 12 months interest only

Closing Cost (Settlement Charges) $29238 paid out of pocket

Annual tax: $5500

ARV: $630000

Rehab Cost: $120000 (100% finance)

Down Payment: %55000 paid out of pocket

Refinance After How Many Months:12 months

Rehab Time: 6 Months

REFINANCE: 

Loan Amount: 75% of ARV= $472500

Interest Rate: 7%

Closing Cost: $20000

Term: 30 years

INCOME: Monthly

Rent: $5200 

EXPENSE: Monthly

Fix expense:

Tax: $458.33

Sewer: 200

Variable expense:

Vacancy: $260 (5%)

Repair: $156

Cap Ex: $208.