You just need to change the right variable/ variables so the equation fits what you are looking for.

I understand there are other reasons to consider that are not in the equation, i.e. tax planning and long-term benefit, improving cash flow over time, and equity gain.

I have seen more than a few syndicators underwrite real estate taxes to 80% of purchase price, which this equates to, presumably based on a tax consultants recommendation.Put simply: when the parties disclose the value of the real estate being transferred, they put own 80% of actual purchase price, with the remaining 20% likely going to goodwill or other intangible assets.

When you're also residing somewhere, it completely changes the equation. 

You could state high income or high net worth does not equate to financial literacy, but without an actual test it may be the best indicator. 

Don't just look at fee structure, however that's a part of the equation.

I have my Marine Corps community, my Law enforcement community, my church and family communities - but those do not equate to the best financial decision I have ever made...

If you are willing to rent rooms, it is a simple equation and you can live for free, it literally is just finding a house where you can add multiple bedrooms and turn a 4 bedroom to a 7 bedroom or a 5 to a 7 bedroom and you take the smallest room or a trailer and renting out 7 rooms, you can definitely achieve cash flow.

But this added $2k/year expense has thrown a wrench into my equation.

.  -$600/sf houses (or even $400/sf) are definitely not out of the equation.