lets do the math?)

As for the rate adjustment, yeah, it's messed up move on the lenders part, but lets look at the math... $41/month.

By my math that is the equivalent of paying someone 1000$ an hour.

For most of us, it's a math exercise. 

If you do the math, when you get to 6+ bedroom houses, the numbers work out better with living for free and also cash flowing while living there.

Sounds like you've really done your homework.

But when we did the math he would be getting a 2.5% year over year return for 30 years.

Algebra and Geometry books on how they relate to REI.Proper knowledge on ho to analyze marketsThe importance of learning as many different strategies as you can, and then knowledge about those strategies, how, when and where to apply them, and the math behind them.Learning what a REI Plan is, and the difference between a Plan, Financial Goals, and the steps that lead you from where you are to your financial goals.The most important knowledge, is how all of this goes together.Now I've already done all of this, and more, but these are some of the most important things that are lacking out there.

This type of strategy works really well for people who worked at a company for a long time and whose stock did incredibly well.These are concepts even financial advisors get tripped up on so feel free to clarify anything that doesn't make sense or if you want to give more specifics I can give examples and math.

The math?