At the end of the 3 years, if they go to closing, I give them $7,100 back for down payment and closing cost. 3.5% FHA loan (3,500) plus 100 bucks a month set aside ($3,600) equals $7,100.

If you argue long enough he will start talking about the "left-hand side and right-hand side of the equal sign", "lying percentages", and other nonsensical gibberish. 

If they are VERY professional, they will have their processes in writing as verification that it is enforced equally and fairly by their entire staff. 6.

All other things being equal, if you went with the 2nd applicant and the 1st applicant filed a Fair Housing Act discrimination suit against you, what would be your defense for not having picked the 2nd applicant?

If they are VERY professional, they will have their processes in writing as verification that it is enforced equally and fairly by their entire staff. 6.

The subject property must have rents that equal or are more than than the PITI payment of the cash out refinance.

This loan doesn't require you to put any income or employment on the application and will only determine the debt ratio by making sure the rents are equal to or more than the PITIA payment of the subject property.

The other one is the equally fabulous Real Estate Investment Network run out of Vancouver but with a massive following across Canada and hundreds of members in the GTA. 

As I think though the Math...If a property that is worth 5.3 million today at 6% cap approximately, at 5% interest rate; if the same property I could get at 4.3 millions in 2 years if the market falls, then interest rate possible at 6-7%, my cash on cash may be better but still not significantly better due to the higher interest rate, plus opportunity costs of sitting on capital for 2 years (1.3 million investment earning 1% bank interest instead of 7% COC if invested, loss of tax break depreciation, total loss may equal 200k loss in profit), plus increase in the rents and some value add could increase the cap from current 6 to 6.7 or so.

The tool would be able to do myriad analysis to evaluate the deterministic analysis such as margin of safety, probability of a return, maximum buy price given a certain probability of a return, and calculate the opportunity cost comparing this investment to an equal investment in an index fund.Does anyone think a tool like this would be useful and beneficial or do you think it's more of a waste of time?