It's not meant to be derrogatory, but rather to illustrate how Tenants can be similar to children in that they are constantly pushing boundaries. 

It certainly wasn't my intention, though I am not sure where you might have misconstrued anything I said earlier as a bashing.You asked for advice and I laid out an example (using your numbers) to illustrate what numbers you should be targeting to make a little profit.Good luck.

Most free models are used to illustrate a point and aren't really great when it comes to actual deals (many people here will differ... but it depends on the type of deal you are doing).I would suggest:Listening to quality podcasts to understand the subtleties of your nicheRead a ton of booksYoutube: It will teach you visually as well provide you financial model shells.

What I did was follow this formula to calculate the area after I manually calculated the angles in Illustrator:  https://www.wikihow.com/Find-the-Area-of-a-Quadril...My value came out to the same as the survey, which is good and bad. 

Someone in the lending business will have to answer that question but it's likely because the 50K borrower performs better than the 35K borrower...illustrated by historic default statistics, rather than arbitrary preferences. 

This graph illustrates the relationship:PCE inflation vs Fed Rate is here.

Below is a diagram I created to illustrate the effect urban sprawl can have on investments over time as higher income families move to newer areas.Las Vegas is completely surrounded by federal land; there is very little land left to develop.

IMO, it omits the most important things an investor is seeking when the investor is considering an equity line of credit in investment property.You see, an investor getting the ELOC is looking to have access to a lump of cash, so things like CLTV and appraised value are very important - that article did no calculations illustrating those factors.

It doesn't take long, one week of studying and run various illustrations from different insurance companies to compare. 

Let me illustrate below for clarity.Original Purchase Price - $73,000Adjusted Cost Basis after several years of depreciation - $55,000Sale price - $100,000Federal LevelAt the federal level this individual would be responsible for depreciation recapture from $55,000 up the purchase price of $73,000 at (25% federal level) and then Long Term Capital Gains tax from $73,000 up to the sales price of $100,000.State LevelBusiness Profits Tax from $55,000 up to the sales price of $100,000 @ 8.5%.Can anyone provide any clarity on this state specific tax situation?