I have recently been told that because I am an out of state seller we will be hit with a 5% of the sales total HARPTA tax (which isn't actually a tax but a law).  

. :-)OPTION 1Current home value - 425000Extra payments - 4000Total interest spend over the loan - 85000Resulting equity - 340000 (425000-85000)Time to pay off the remaining loan in months by paying 4k extra per month - 28 monthsNext loan amount - 540000 (600000 - 60000 10% down)Extra payments - 8000Estimated home value after 10 years - 625000 (modest evaluation)Total interest spend over the loan - 60000Resulting equity - 565000 (625000-60000)Time to pay off the remaining loan in months by paying 8k extra per month - 56 monthsNext loan amount - 540000 (600000 - 60000 10% down)Extra payments - 10000Estimated home value after 10 years - 625000 (modest evaluation)Total interest spend over the loan - 50000Resulting equity - 575000 (625000-50000)Time to pay off the remaining loan in months by paying 10k extra per month - 47 monthsOver 10ish year I will have a total equity of 1.48M which is an average monthly increase in personal net worth of about 12,000 over this timelineOPTION 2Current home value - 425000Extra payments - 1000 (it would drop from 4k because 2k would go to the other loans principle and I would lose 1k as an expense for the extra loan)Total interest spend over the loan - 95000Resulting equity - 330000 (425000-95000)Time to pay off the remaining loan in months by paying 1k extra per month - 64 monthsNext loan amount - 405000 (450000 - 45000 10% down)Extra payments - 2000Estimated home value after 10 years - 500000 (modest evaluation)Total interest spend over the loan - 100000Resulting equity - 400000 (500000-100000)Time to pay off the remaining loan in months by paying 2k extra per month - 131 monthsNext loan amount - 405000 (450000 - 45000 10% down)Extra payments - 0 (money is being used for other loans)Estimated home value after 10 years - 500000 (modest evaluation)Total interest spend over the loan - 330000Resulting equity - 170000 (500000-330000)Time to pay off the remaining loan in months  - 360 monthsOver 10ish year I will have a total equity of 1.29M which is an average monthly increase in personal net worth of about 9,800 over this timelineI know this is very detailed and you would probably have to spend a few hours figuring this out, but If you could help me by providing some benifits to option 2 that would be helpful.Thank you

@Alex AllevaAlex - If you are currently living in the house and the total property taxes is $19,000 for the total 4-plex.The property taxes allocated to you as an itemized deduction should be $4,750. 

This means your total payments maid during the duration of the second loan will not equal the total amount owed.Doesn’t really seem like much of a bonus to me.

Right now, the traveler is going to pay the total of the host's rate + the VRBO fee. 

Understand the fees involved and calculate the total cost for an entire year of management so you can compare the different managers.

So I could acquire a few small apartment buildings in Germany with a total of 26 units.

If the thread is about timing the market as opposed to just getting in and staying in, then that is totally personal based on time horizons etc.Being in the trenches and attempting to make a purchase now is uncomfortable at best, and I have come to grips with the fact that I will have to pay more than I "should" to get invested.

I totally disagree with Ned.

it's a lot of money and i won't let them get away with it --___--    plus i'm facing serious renovation cost after they moved out, the place was a total wreck :( any good advice or reference would be really appreciated.Side notes: I think the judicial system hate landlords with a passion, I can't understand for the life of me why i need to bring the tenant to court t a second time to ask the judge the same thing we took them to court at the first place, it's ridiculous and frustrating, the system allow people to get away with your money but you can't owe them a penny and this is ******** !!!!!