@Tricia O'Brien sorry, I reread the post!

This requires 10kbps transmission.With AI, imagine that the whole dataset is one Biggerpocket library or Wikipedia library, so each time there's query, it has to re-read the whole library again and again.

And if you go back and reread my OP, you'll see I'm already pretty much saying I know I f*cked up.

OP is worth a reread.

I re-read what you said, printing out my credit card balance is not a problem.  

My only recommendation is to re-read @Nathan Gesner recommendation. 

You should reread all these great replies and then decide what is best for YOU.  

Just re-read your post.

I re-read his email but I think he indicated his net DSCR is 1.0 after all PITI and maintenance.It may worked 160 months ago though LOL, in AZ these days to achieve DSCR 1.0 he has to put 35%, now he would not be able to keep that 115% return.It has worked once a year for each of the last 8 years.  5% down for DSCR 1.0 investment ;-) oh well....I've been dreaming about that too ;-) I am sure it worked in December 2012It worked as recently as September 2023 on a wraparound mortgage with a 3.5% rate. 

.- Finally, I suggest you re-read the post by @Luciano A., above.