Additionally, we rented out a room for one year.

You don’t get to just expense the additional real expenses.

If the numbers work when I run them, I know reality should only be better.ActualsPurchase Price $227,500Interest Rate 30 year conventional 6.375%Homeowners Insurance = $920.21Rents = $1,900 per monthTotal mortgage + escrow = $1,182.58 per month with rents at $1,900 my actual cashflow is $717.42.Additional numbers behind the dealTotal cash to close = $87,475.55Down payment = $80,000Homeowners Insurance - $918.36Rate Buy Down 1.283% - $1,892.43We paid to lower the interest rate by 1.283% over the course of the 30-year loan.

Quote from @Bruce Yi: @Gustavo Delgado what's a reasonable additional deposit? 

Instead of being upfront about the additional interest, they presented misleading figures that made it seem like I was getting a better deal than I actually was.

Maybe if I was younger it would make more sense, but staying with the method I've used over the last 10 years will only become more refined and efficient.

Wasn't sure if I would create additional equity from getting it rezoned to Res. 

You can prevent this by requiring them to add you as "additional interest" on their policy.

However, you can't sell something unstable, with circular references, requiring human override, etc.But, if you stabilized it, the model loses efficiency. 

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