I am not exactly sure if calculations are accurate and feel stuck with this decision, I would appreciate if someone could offer an advice or potential solution?

Been pretty happy with my decision so far and even moved here after my initial 4 buys. 

@Laurence Mendonca,Congrats on making the decision on looking into REI. 

Hope this provides some insight and points to consider on your journey to making a decision. 

If you are shopping based on rates and fees, these answers should provide you the detail needed to make an informed decision.  

This will help guide your decision opposed to investing somewhere for a novel reason.for example for me it was cash flow, price to rent ratio, land lord tenant laws and availability of multi-families(Just to name a few). 

Thanks Jaron, we are very split on this decision but I am leaning towards your approach. 

We have some decisions to make and this info definitely narrows down our choices.

We have a chronic housing shortage that impacts both retail and renters. 

I think it really depends on where the home is at, the condition, etc that may help you make the right decision.