This is therefore making me put an additional $1212/month more towards my loans for those first/next 7.4 years ($2446-$1234= $1212).If I was to invest this money instead in a property via low money down owner-occupied purchasing wouldn't I be far better off come the end of the 22 years if I chose that repayment plan for my loans, ifffff I rely on appreciation (I know I know, bare with me).I think this because recently, I bought a triplex last year ($235k) and it is cash flowing about $3k/yr (soon to go up when I get rid of my PMI) plus my tax benefits.

Please bare with me on this one.I own a property with a mortgage of $360k and 900k equity.

Once this property is rented, I will be FI(barely).  

I've barely been called out to the property(twice in 3 years).

@Harv Yergin IV  I am from Delaware, but I have yet to find a lot of single family / multi-family deals this way, most barely meet the 1% rule,  if that.  

You will run into trouble if you slack with cost or schedule control, and I have paid my tuition in the school of the hard knocks myself.A project of that scope, in my opinion, would be a "barely worth looking at" project from my perspective having done 25 renovations, 17 of them total guts, 11 of them over 100k each.It is a personal opinion, and it is not because the money isn't to be made there.

I know there are ways without having to put a lot of money on a down payment but my credit isn't where I want it to be and I'm barely getting by on my job.

Quick fact - most 30-yr loans are barely 25% paid off when a 15 is done.  

I purchased the condo based on the assessments, and then when a significant special assessment was levied, I could barely keep up with it. 

Irrespective, don't go over what YOU determine you need to pay for a property, I've seen people increase their purchase price more and more just to be competitive and get the deal, but then they end up eating into their profits and barely make money when they go to sell.Anyways, I hope everyone in Chicago is staying warm today..!