Need help with number crunching!

[Mike Szabo]

All you number crunchers! I need help deciding the best option for a cash out refi I am doing. I know theres a lot of mixed feelings on rate buy downs. If you need more info message me please. The extra capital taken out from a 75%ltv would be used as capital for future investments.

75% ltv

$211,500 cash out

3.875%

$5,816 buy down

$995 p&i

75%

$211,500

4.375%

$2,379 buy down

$1,056 p&i

75%

$211,500

4.875%

ZERO buy down

$1,119 p&i

70%

$197,400

3.5% (new floor)

$5,429 buy down

$886 p&i

70%

$197,400

3.75%

$3,455 buy down

$914 p&i

70%

$197,400

4.25%

ZERO

$971 p&i