My question is simple mathematics.

No lie, I'm big on formulas and mathematic equations to calculate risk/ reward/ etc.. 

Mathematical finance major too.

If you need a solid, no BS approach to getting more and better leads,  this video is for you.You can litteraly exponentially scale your motivated seller leads generation by technically not spending an extra dime on yo...

It is friggin Dumb Stupid and I AGAIN have proven this mathematically. 

I love baseball, mathematics, and theology.I have always been interested in real estate and construction, but I've only recently decided to invest.

Most of the mathematics I have seen this far don't seem to indicate much excess cash flow in buy and hold properties.* Often new investors are advised to stay local when making their first forays into the market, however what do you do if the areas which interest you the most, the ones that seem to be experiencing the best growth and appreciation, are distant?

,Mathematically it would be better to make a lump sum extra payment and enjoy spending less on interest in every subsequent month, building equity faster.However if you want to do it your way...I suspect that if you write one check for P&I * 12 and try to indicate that you want to prepay for a year, they will take one P&I payment, apply the rest towards paying down principal, and still expect your next monthly regular P&I payment next month.

I don't fully follow all your mathematical calculations.  

Understanding mathematical theory is very good, but you'll not really get into math that deep.