You can if you like the house, mathematically it might not be the best option but not all decisions have to be math based. 

In the world of mathematics, you can NOT use a number unless it is accurate. 

This looks like an excel function, but what is the actual mathematical equation?

Oh okay, now the lender has some security just in case you can't pay back the loan...Lets say you are purchasing a property for $100k and for sake of argument and mathematically simplicity the down payment is zero. 

Familiarize yourself with all the mathematical ways to approach prospective deals.  

I have previous experience in the marketing field, but most recently have been teaching various mathematics courses at a local high school.

If you reinvest at 3% or greater you’re always better off keeping the low interest loan as long as possible.The reason people believe these strategies that defy mathematical analysis is 1.

I am just a 21 year old male, studying Applied Mathematics in college.

So would you suggest spending some time physically familiarizing myself with a various properties before getting into the deeper mathematical analysis and details?

i guess mathematically it MAY save you some money over the entire course of the loan, but sometimes there is more value then living in the now rather then the calculated savings over the loan...