If the cash flows are positive in either case (buying and not buying points), is the advantage of a lower interest rate really only observed after so many years of tenancy compared to not having bought points?

My particular strategy is to BRRR multi-families and I was hoping to hear any thoughts from local investors and agents and start developing a relationship with the boots on the ground.

I have a commercial property in a Tier 4 TOC area in the Miracle Mile (Wilshire Blvd) that currently has retail on the ground floor and office above. 

Sounds like the question is more about the trade off of (time and money going into a commercial-to-residential conversion) compared to (savings from better loan terms)...

Basically, the husband liked this comparable house, while the wife appreciated and even loved the layout of my house.

Scenario 2: a bald faced hornet nest located 20 feet off the ground in a tree that's home to 600 to 1000 extremely aggressive wasps who will sting anyone getting closeWhich did you have? 

Area agents sold 8,518 single-family homes last month compared to the last record high of 8,367 in June 2017.

@Jason Carter @Tal Simpson this is exactly why I prefer getting info from locals, and people on the ground than reading reports and blogs and generic research.

The last thing I want to portray is "low-income housing" I'm starting to lean more towards "Handel Homes" because it sounds more "upscale" compared to housing.

I'm not asking for profitability, I know how to run the numbers for that....As I said I'm asking about the price of the structure compared to other four unit buildings in the area there, and since it is a four unit you don't value it by commercial standards....