This is precisely what everyone needs to do or learn prior to actually investing their money in anything.

Its precisely to double check that the loan officer is making the right assumptions that I'm asking this question.

I do agree that this is one of the best resources on the Internet and as a new investor that is precisely why I decided to join.

Listen and learn from people so that you can figure out what exactly you enjoy the most about investing and then chart your course to go after it.

If you are trying to run your business like a business, decisions like this are best left up to the flow chart process.  

My wife and I had freshly purchased our home when I originally posted and so we had a survey freshly drawn up with exact GPS coordinates (latitudes/longitudes, precise measurements to the inch, etc.). 

You can actually do a Comparison Chart so that you can see everything side by side.

omg these are California prices. thanks for the chart.

I have multiple rentals.I use QBO for the auto import, the ease to make PNL graphs and charts, and to be able to analyze what my expenses are across time, and where I can cut costs and make more money.

What I mean by that is if you own a home (regardless of the leverage), and it cashflows (after all your precise calculations) where is the trouble?