It’s been many times I have tried to contact realtors and they don’t return calls or drag their feet with the smallest and simplest things.

For me, at any rate, the ability to formulate quickly, to resolve any problem into it's simplest, clearest form, has been exceedingly useful...I found higher mathematics the best possible exercise for developing the mental muscles necessary to this process.       

This is your first deal, and you're missing one of they key ingredients.

Of course, his advice can't be tailored to everyone's specific situation and disagreeing with certain topics is normal as with any adviser.As far as his mutual fund investing I think its because its the simplest way to invest and anyone can do it. 

I want to show a comparison taking into account the concentrations and the ingredients in the products so as to use actual comparable products for pricing.  

Two main ingredients are time and risk.  

Spend a few hundred to get some advice from someone outside the deal.I think doing a straight loan is the simplest thing.  

I hope this gives you some direction, househacking is the simplest and least risky place to start IMO. 

Then, I try to get a few hours of sleep in the daytime.If anyone is really serious about wanting to learn how to do their books with the simplest and most-accurate software then get a copy of MS Access 2003 on ebay or somewhere and download the the complete version.

The simplest way to view debt is through the dual lens of risk and opportunity.