I recommend a simple spreadsheet to check your math and it will make it simple to adjust each year.End the complaints.

The best strategy depends on your situation, so do the math and talk to your lender for guidance on prepayment penalties and loan terms.

The reality is the assessments are correct, but when you do the math based on the tax rate (which in most locales has also gone up) our property taxes on our properties is up an average of over 10%…I know some will say “fight the assessments” but honestly I think some of them may be low (and truth be told I would guess less than 5% if people contest assessments).I am curious, have others started to receive their assessments - and were you in sticker shock?

Have someone actually run the math.

Let's say we meet for 1-3 hours per year, and you pay for math's sake 2k out of a household income of 200k. out of that 200k house hold income you are paying (for examples sake) 50K in taxes (tho it is likely much more for most people).

And yes, I understand the math at 0% it makes no sense to prepay but this is a behavioral thing not a math thing always.

But I've targeted an average of 3 properties each month for about 10 months now, so you can do the math here.I've been going to the auctions for only a year, so I don't offer much history.

It's all about the math as compared to your goals. 

Do I have my math and laws correct ?

Always do a math analysis and try to look at the prospective property before you make an offer or at least have a clause in the sales contract that will allow you some time (about 15 days) to do a detailed inspection and possibly back out of the deal without a penalty that will hurt you too much.Do not try to do everything yourself.