Quote from @Diane G.: Quote from @Russell Brazil: When the wire goes out to you is immaterial.

You must first re-file your taxes for the years you paid via section G, and must re-file using section F. 

@Nathan G.

Quote from @Brian G.: @Bradley Buxton what type of annual gross revenue to purchase price ratio can be achieved on south Reno?

@G.

Quote from @Ariadna G.

Quote from @Brian G.: @Jorge Vazquez what type of gross revenue to purchase price ratio can one expect in the Tampa Bay area?  

@Nathan G.

The borrowed money earns $4590(Column G) the first year, we assume it compounding at rate of 10%, it will continue compounding 11 times until it reach the 12th year, so the "Compounding Factor" in the column H: 1.1^11=2.853116706,  Column G*H = 13096, put another word, $4590 compounding 11 times at rate of 10% should be 13096.For second year,  the earned money can only  compounding  10 times (only 10 years left),  so the "Compounding Factor" in the last column H: 1.1^10=2.59374246,Of course for the third year it can only compounding 9 timesAnd the last year it can do not compound any more because it reach the term endand so on......We add all the last column together, which is $129235, this is the total compounding return of all the borrowed money.SO it is a 9.6% vs 10% compounding game FOREVER, and in this example the 10% will always win, from year 1 to year 10000 !  

That brings me to my next point: The area you should start investing in depends very much on what your investi g goal is, so: Define your goal.