Excel has the functions built-in.

I hope to add the capability to add this functionality to the forums soon.

In one of my classes we had a long discussion on this subject, you can imagine it was a current problem all over TX back then.IIRC the instructor in the class said something along the lines of the amount being made up from PMI (or MIP in the case of FHA loans) had been found by the courts to NOT be income as it was INSURANCE PROCEEDS for which the homeowner had paid the premiums.That is kind of the way I remember it, and it does make sense as they are insurance, and the homeowner did pay the premium.

Accept that at the court house you have to have the full value in cash.

Many FSBO transactions end up in court because of the lack of knowledge on real estate transacton.

Then I take your loan balance, $19,776 and using the discounted cash flow/present value functions on my financial calculator and calculate back to determine how much (or little) I have to invest today to buy that mortgage in order to turn its (face value) yield of 12% into a yield to me of 20%.Back in grad school and when I worked I was actually pretty good at doing this.

The suit was thrown out of court but not before I had to hire a lawyer to defend myself.

Appreciation is a function of NOI and the prevailing CAP rate.

For example, there was an older woman in eviction court the other day.

Search, real estate license in _____(state), you should find what a real estate agent does, Pay close attention to the activities that require a license and then don't do those functions.