Money Now or Money Later - Analyzing Deals

[Stephen Groves]

How would you analyze the following deal?

Option 1: You get $320 cash flow per month.

Option 2: You get $65k in cash today, and lose $90 cash flow per month.

The $65k can be used however you want. Assume rents are mostly static and cash flow will remain largely the same over a 20-30 year period.

This is a simplified version of the dilemma I am having on whether to take a private lender up on his offer to loan me $65k and wrap it into an existing contact for deed.

All my analysis suggests that the $65k now is the better option. I have plenty of cash reserves to cover the -$90 cash flow per month. I appreciate any and all thoughts!