@Austin RicheyIn addition to the above great suggestions, there are a few good credit simulators out there where you can play what if scenarios.  

Simulate a purchase, then once you start looking around you will get more accustomed to working leads and knowing if one will work for you.  

Also asking if some one who has done this or simulator how do I calculate out what all it’ll cost I’m struggling to figure out if through the interest only payments, payback period, my current mortgage, and my new mortgage , what all I can expect to pay/if I can afford or even if this is a good idea.

They are doing this to simulate a cash out refi without the new lender knowing that that's what they are doing (can you say falsifying and misleading?).

As long as private lenders and REIs are liquid and excited to invest still out there, (which they will be, presuming interest rates aren’t monstrous and the stock market doesn’t entirely crash over the next 12 months) then the real estate market will be just fine.However, if inflation takes off, all bets are off and every simulation out there needs to be thrown in the trash.

In expensive markets like NYC, San Fran, Chicago, this sounds more common than I thought.Just because it is common, doesn't necessarily make it a good idea ...Run a little simulation for yourself ... look at what a property would sell for and rent for 20 years ago in your expensive area and cheap elsewhere area, then project that forward to what they sell for and rent for today ... which one would've performed better for you (estimating cashflow + appreciation, calculating IRR)?

It is a LOT harder to decipher THAT, and come up with some barbaric equation-simulation that extracts EVERYTHING and spits out an answer, than it is to just build a website and rank #1 and dominate... honestly.yup yup.Overlord has spoken!

I read somewhere before that you took the Georgia broker exam and it was one of the toughest exams you took with the new simulation.

Is it best to take the simulation exams?

Bottom floor with toilet is tile & top floors with bedrooms are vinyl simulated woods.