There are plenty of people that do a couple flips, eat the taxes, so that they can build up their saving for a larger down payment later.

@Anna BuffkinGeez I would have just set poison out in secluded areas that they hide in and saved all that time and trouble .

I have consistent income for the past 2.5 years, money saved, as well assets such as an investment account which I hope can look convincing to a bank.

I know this may sound like me being lazy, but isn't the point of the calculator to save the time required to manually add numbers?

The biggest thing you will probably need to make sure you do correctly is to save the property from reassessment for property taxes under Proposition 58. 

That said, if the borrower is managing multiple projects, they may prefer to keep more of their current reserves to use on other projects rather than saving a few thousand dollars in the long run by paying upfront points.

You could bump them to $1,800 which saves them $2,400 a year and costs you $2,400 a year.

But you save huge money.

Read books and blog posts here on BiggerPockets and save yourself the money

   Hey guys I'm new to the forum, I just stumbled upon the forum yesterday, I'm 23 years old right now I've been flipping used cars and doing contractor work for the past year and i've saved enough of my profit to purchase my first property, any advice, tips, book recommendations, courses or thread recommendations would be greatly appreciated, I'm in a mode where I have an immense appetite to learn and absorb content.Thanks,           Quin