The thing about ML is that it's just mathematical modeling that uses a fairly simple optimization technique.

What I did here is mathematics. 

Second when you state "I can not mathematically make financing work" what you are saying is you do not understand investing and finances.

It depends on the person and what return they can get on there money you can mathematically determine which route is best by doing a discounted cash flow analysis to compare the three strategies.

BS in computer science and MS in financial mathematics - the study of math equations behind exotic instruments such as options, futures, CDO's, CDO^2 (yeah that thing that blew up the housing market back in 2008). 

All of the above and there are many discussions and mathematical gymnastics that are in these forums that prove it works and doesnt work in both ways...consider a first position heloc if you want to utilize velocity banking concepts for mortgage purposes.I got one with CMG mortgage (they call it the All in One Loan) and it put me in positive light. 

The BRRRR method made the most sense mathematically to us, and I consumed as much informational content as I could.THE JOURNEY:Step 1: We bought our first home (primary residence).

I did so because I am here to build wealth and single family didn’t do that for me mathematically.  

I am confident of my cost estimates because 1) I have taken the time to mathematically calculate expected cap ex 2) I have been doing this for quite a few years. 

No one knows the magnitude of the demand shift and the supply shift, so we cannot "mathematically" say we know what is going to happen.