I know that is counter intuitive.

I tend to prefer the desktop version, but every three years you will have to purchase a new version as Intuit stops supporting it.  

I took a closer look at J Scott's tool and realized that the CoCR calculation IS including the rehab and closing costs; it just wasn't intuitive.

You get gains from not only the cash flow, but appreciation, tax savings, and loan pay down.If you don't like the BP calc, you can sign up for my company's free beta and we have a more intuitive one.Either way, you're doing well.

It is just kind of like Malcolm Gladwell's book Blink, we just sort of know what class the building or area is intuitively through experience.

@Andrey Y.We use both Quick Books desktop and Quick Books (Intuit Inc.) online.

12% accruing on the full loan amount = $6,400 in total interest.16.99% accruing on only amounts funded = $5,500 in total interest, a savings of $1,100.Counter-intuitively, your costs of capital are 14% lower at the higher rate. 

My accountant emailed a couple weeks ago and said that the 2016 1099s have to be filed to the IRS by the end of February.However, I found an IRS website and Intuit website that says as of this year that the form needs to get to the contractor AND to the IRS by the end of January.Did my accountant make a major miss on this?

I would go back to her and ask what prompted her intuition that these individuals are unkindly.

If it doesn't make sense intuitively, then it is either a lie or you are missing something.