Sounds like all-in-one will be my best bet.

Yeah, I would never bet on 10% appreciation in this market.

(Try and stump everyone on this site I bet you can't) I have asked many questions some very stupid some that were good questions no one will judge you and you will always get an answer, many times from many different people with very different experiences.

The last I checked, the numbers when calculated showed women's income increasing on average by 1.25-2% per year.

I'm OK with the monthly NOI calculation of $2625 (though I would want to be sure it not actually higher).

I'm betting that it would be a HUGE loser as a rental, but we won't know until you post the gross rent.

That will calculate the monthly payment.

I'm sure you can calculate this in Excel, but I've always used my financial calculator for it.

Here's the thing though what a lot of people are betting on: since it did take such a hit, it will come back sooner and stronger than middle america.

If not, how do I calculate the ROI?