God love those that know this for area X, Y or Z and are willing to share it at no cost, but Break the Mindset!

Do I pay off my loan at X% or am I better off using that cash to buy this property that makes me Y%?

Perhaps a bit too nerdy or finance-bro-y. 

Thanks @Raymond Y.

@Nikol Noll Any time someone says they will do 'x' as soon as you do 'y', then when you complete 'y' moves the goalpost causes me pause and think. 

Just ask for the age of this child back in 1997 or have him call his baby mama or the child...who is now an adult.Age of child at judgement = CAmount of Arrears = AYears until they age out = YMonthly childsupport order x 12 months = M[(Y- C = X) x (M)] + A Solve for X and apply 21 years of interest. 

One for X dollars, and one for Y dollars post dated another 2 weeks in the future.

If we continue this trend the big numbers start to fall off and get replaced by smaller numbers we could be in the 2%-3% range 6-7 months from now.The biggest item, that I think could lead to CPI specifically dropping even faster is the way the CPI report calculates shelter costs.  8% of CPI is based on an actual rent survey, but its y/y changes not m/o, so even as rents are dropping in real time it will take another 3, 6, 9 months for rent numbers to come down on CPI. 

If they like it, great, if not find another bank; talk through some scenarios of what they like/dislike and things they don't want to see, e.g. selling more than y% of the portfolio within x months of the purchase. 

Offer either or....I can pay X in cash or I can pay Y with owner financing and state terms...rate/amortization, payoff.