Can anyone quickly share a math model of a the depreciation recapture scenario below?

So in other words you want me to do all your homework for you?

Thats ALL RE is about, just math.

How do you feel about a $700k purchase price with a non owner occupied 4plex DSCR loan 3yr prepayment penalty, 10yr interest only 30yr fixed after$560k loan amount (20% down)7.750 par rate with no costs. monthly payment $3,616.66Or pay $22,295 in closing costs and get a 6.375% Monthly payment of $2,975The monthly payment difference between the two is $641.66And when you take $22,295 in closing costs and divide it by $641.66 that will give you 34.5 months (2.89 yrs) to break even if my math is correctHow do you guys feel about taking a lil less than 3 years to break even on $22,295And the seller is giving me $15,500 in seller concessions thanks for the advice guys!!

-is it a good time for a person with no savings and no experience to take out a HELOC or personal loan and buy a random property in a state they've never been to using 100% leverage because made up spreadsheet math assumes no vacancy or capex or repairs ever and rent growth of 9.2% a year until 2074? 

You don't get to pick them.The math should be fairly elementary. 

A lot of the risk can be mitigated by just doing the homework and moving slow.Hope that helps!

Most cases it’s going to require a 3 year prepayment penalty unless you take the 5 year for the lower rate.In most cases even though people hate points it makes sense if you run the math to check the recouperation.

Hey Chris, good to hear from you, thank you for your detailed opinion that you brought here, you made me think about it deeply and to compare markets, I'll do some homework this week :)@Chris Grenzig

I get all the debt arguments, the "math", whatever logic is used, etc.I still subscribe to no debt or limited debt.