On the other hand owner occupants are looking to buy and live in the properties so their calculus in determining value is very different; they don't care about NOI, they care more about other qualities like the distance to the beach, or the the school district, etc.

I have worked at the Dry Cleaners for almost 5 years as its was my first Job out of high school and an easy one, but the potential for a substantial increase in income is nill due to the limited hours and potential for the business to expand.I was taking classes at College of San Mateo to pursue a degree in Physics, however, due to financial aid issues and my difficulty with Calculus, that has been put on hold. 

Glad I don't need like business calculus or something crazy like that.

So when doing the math…Do I consider the original 2006 down payment costs and years of primary residence as part of the calculus on current ROI/ Cash on Cash return, etc…or ONLY the numbers associated with the REFI in 2012 when I converted the primary residence to rental property? 

Can’t solve for one variable with too many other floating variables.Wow that reminds me of multivariable calculus...Anyway, stick to your principles.

This should change the calculus significantly.

Not so much because you're going to be doing calculus to invest in real estate, but the idea behind the education is to teach you how to solve problems.If you can be a good problem solver, you can go very far in life no matter what you do.

Definitely something we will put into our calculus. 

There are some that are better at RE than others, but I am certain it is nowhere as tough as quantum physics, Calculus, etc...so I get confused at people saying they are hear to help, teach and mentor yet I read many posts of people pretending to help but their "advice" is laced with condescension, arrogance, finger-wagging, etc.  

I'm a full time AVID and Calculus teacher at Richardson High School.