I'm not very computer literate and the web page has been tough for me to understand.

I am a web programmer, there are skills that I can make use of from that life that others might not.

There is a little, but not enough to justify refinancing that 150k back into the loan 2 years later. not unless rents start to climb in my area which I feel as though that is a bad gamble to bet on just to get this deal done.

Because, right now, you're gambling a $250 monthly loss that it will appreciate in the future.

Honestly it was a small gamble as Amazon just moved in 40 miles north.

There is a spreadsheet in BP that you plug numbers or calculators on the web site you can use for 5 times.

*Insert Logo hereCory Carlson | Associate Broker | Licensed in ORCell: 503-686-xxxx | Office: 503-303-xxx ext x300Realty Yield | Web: www.realtyyield.comxxxxxBend Office: 363 SW Bluff Drive #109, Bend, OR 97702 Portland Office: 5311 Childs Road, Lake Oswego, OR 97035

That may change once I have millions of dollars to gamble on real estate, but for now...

I guess you could say I'm sold on this path for investing.My situationCurrently, I own 2 businesses (a web development agency) and a YouTube channel that are both cash flowing really well. 

You spend $795 upfront and over 10 years you save $955 on that rate decision of 4.375% vs 4.5%.If you keep the loan for only 7 years you lose money on that rate decision.It's not a ton of money, but usually the extra investment is a long term gamble that very rarely ever pays off, at least according to industry statistics.