Not factoring in these items in your analysis "hides" your actual return as these expenses will come up eventually.

It definitely depends on a lot of factors - where non-QM is generally going to be about 0.5%-1% higher in rate, but can be more than that or even lower than conventional with some more options - one in particular is if you did a longer prepayment penalty period (5 years - at a descending penalty structure or even 5% all five years), then that could drive the rate down even significantly lower than the conventional alternative.

However, several factors come into play, such as state laws, regulations, asset protection strategies and costs (widely different, e.g., California vs.

The combination of these factors made it an attractive opportunity for us.

So how do you calculate that after 9 years of owning, how does the equity come into play since most of the calculators assume it's year one with no equity, and how do I factor in the already paid assessments besides that it's increased the cost of the property? 

Could be done, but very carefully.Talk to an attorney to get specific advice, because there are many factors that can dramatically change what you should do.Calling a loan because of the due on sale clause is rare, but does happen. 

Scalability is the rarest of factors to be tapped in REI, and every "big wig" has unlocked that but for some reason nobody ever seems to mention that piece. 

They types of scenarios where a seller may be more willing to do repairs really depends on a host of factors.

However, where utilities are combined there is no easy way to estimate the cost because there are too many factors at play.

Whether you should house hack a duplex or a single-family home depends on various factors, including your financial goals, lifestyle preferences, and market conditions.