You start depreciating $120k next week.Disclaimer: my example does not consider a few important issues, like closing and holding costs, financing, land allocation, etc.

Your own offers and most importantly go see properties as an agent and not have to setup a time with someone

More importantly, has anyone used them and made any money?

The BP calculator does not have a separate entry for this important cost. 

Getting the beautiful house I wanted for a terrific deal, but more importantly, gaining the network of amazing people I met along the high-pressured way - my mortgage loan officer, closing attorney, agent, roofer, plumber, electrician, and very importantly, my AC installer.

So it's important to find an institution that will refi for longer periods, as has already been mentioned.

This is a very important topic, because it is critical to understand when making decisions.

The most important part of a deal is that it is a good deal not how you pay for it.

“Find the deal and they will come”This is how I started and got by but later realized the importance of knowing what your investors want in order to waste less time deciding what to look for.

It was really important that the interface was user friendly from the investor's point of view, and yet robust enough to do everything we wanted it to do.