But a more telling number, my ROE return on equity is only 8.2%.

@QUINCY ROE   Yes we do verify funds with a cash buyer. 

Based on an estimated $100k of equity, your Return on Equity (ROE) is only 1.3%.

Paying off the mortgage quicker will reduce your ROE, not increase it.

Just want to re-iterate the concept of return-on-equity (ROE). 

Then I calculated my ROE or Return On Equity.  

Look at return on equity (ROE) metric when you have predominant growth from appreciation and not cashflow. principal paydown itself will be around 1k/m and that will reduce ROE. when this happens below a threshold you refi to cashout. 

The IRR or CoC or ROE all are better indicators of quality of the investment and how it compares with other options.

Both parties spoke different languages- the lender spoke ROI, ROE, WAC, discounted cash value, etc. while the project developer spoke excavation and grading costs, the price to import and compact soil, installation of curb and gutter, etc.

But if you are referring to a simple return metric and investor would use, you're most likely to see COC,ROE, IRR OR MIRR.