Mathematically it doesn't make sense for cash flow but it is creating a forced savings account that will let have a larger HELOC in 5-10 years for BRRRR investing and eventually a paid off residence to reduce my risk.Keep calling lenders.

., the standard deduction is a specific dollar amount that reduces your taxable income and for the 2022 tax year, the standard deduction is $25,900 for joint filers.That means N minus the taxes = 100K - 25,900 = $74,100  (...and now I know how to calculate the taxes, what tax bracket to use)According to https://www.nerdwallet.com/article/taxes/federal-income-tax-brackets, in 2022: Married, filling jointly, with a taxable income of $22,001 to $89,450 fall into the 12% tax rate - meaning they will pay $2,200 plus 12% of the amount over $22,000.Put in a mathematical expression that means:  N – [12% x (N - $22,000) + $2,200] = $100,000 - $25,900 = $74,100    N – 12% x N + 12% x $22,000 - $2,200 = $74,100  88% x N = $74,100 + $2,200 - $2,640  88% x N = $73,660  N = ($73,660 x 100)/88 N = 83,704 - the taxable amount after standard deduction. 

We are not robots with calculating mathematical brains - we actually have creative brains instead.

pull the trigger on deal that name mathematical sense (no feelings) Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

I am a blank slate on this one, I will let the property speak for itself and let mathematics guide me. 

Anyone that says DMM is OK has no clue about marketing and I can MATHEMATICALLY prove this to you.No matter WHAT you change with your DMM system .. it is completely irrelevant.

@Hoyoon Chae how much the house appraises for is going to be a pretty mathematical process.

I'm not sure there would be a lot of naysayers telling them to forego it in search of something much much better.This is only in question because of the desire to fund the downpayment out of the HELOC leaves a temporary deficit, which I have shown mathematically is more desirable than waiting 31 months to save up that down payment.  

There is absolutely ZERO strategies in counting on a "numbers game".Furthermore let me prove to you mathematically, that it is NOT a numbers game.If you were to cold call half the nation, then yes it COULD be seen as a numbers game.

I understand mathematically, it probably makes more sense to refinance and invest.