As for price adjustment I would see how much is still left on the loan with the solar company and what a new system of equivalent size would cost to install today and price accordingly.

There is no additional charge for study groups.The BP equivalent would probably be "Meet-Ups" and other informal groups.

Originally posted by @Bob Bowling:Anxiously waiting for your side by side comparison of leverage vs. non leveraging and the impact of negative leveraging.Here you go...side by side comparison of positive leverage, negative leverage and non-leverage on an equivalent investment:http://www.propertymetrics.com/blog/2013/11/21/negative-leverage/As you'll see, the positive leverage scenario generates the highest IRR, the unleveraged scenario generates the next highest IRR and the negative leverage scenario generates the lowest IRR.  

I have a pre existing commercial line of credit set up that makes me the equivalent of a cash buyer for my real estate adventures with a 5% fixed interest rate. 

You need to think of the equivalent in the retail space. 

Looks like Cozy.co reports to Experian, so that's equivalent to what ERP did when I started using them in early 2016.

So while you're right that a fractional share isn't worth as much alone, that's not the offer they're asking you to buy them out of...presuming that other full purchase offer is a real one and equivalent.

You just have to look at the numbers that actually matter.Highly advisable to fill out a new W-4 now (and possible state equivalent) if you underwithheld for 2018. 

On the other hand, if you could make that same 10% on a cash investment and pay 0% in taxes due to depreciation, that would be the equivalent to a 13% investment inside an IRA.

And if you're married, you have to get forms notarized either way because your spouse is supposed to agree to it.I am one of those silly people who listened to the personal finance gurus who said to put all my money in a 401k (commercial equivalent of the TSP, which is a 403b).