I did a cash out refinance and escrow closed today.

However, now that we are exploring real estate more I was considering paying off the mortgage earlier to have more cash each month to invest elsewhere.

I am curious about how he comes up with the number. . . . the formula goes NWROI = (cash flow & rent savings + loan paydown + appreciation)/ Initial Investment So, if you have a low initial investment - it looks good on paper.

Seriously, in big picture say someone is willing to rent you a home on 99yr lease for $1.00yr, that you can rent for $2k mnth, are you gonna say no because you MUST hold title, must have that paperwork to it in the way you want it.From my vision, arguing how that paperwork is done is like saying you refuse to accept a truck-load of cash if the truck isn't blue in color.

If I rent it, it won't cash flow more than 2%, which is sort of ok as my goals is creating a portfolio of additional income for retirement (12 years from now)  If I sell it I will likley lose a little money ($5-$10k) I Used a VA loan to purchase zero down and will be living in it for 24 months while I do the rehab.purchase price $330K, rehab $15k, Estimated ARV is $370k.  

I would offer cash for keys, or not renew the lease, and reset the tenants in the building at the first opportunity.

The numbers I’m running show that it will still cash flow around $150/mo.

We've been including a lot of seller concessions to reduce the cash to close. 

Purchase price: $95,000 Cash invested: $30,000 This was my first rehab.

Search for properties in line with your spending plan and investment objectives.Property analysis: Examine possible single- or multifamily properties to ascertain their overall investment viability as well as their cash flow potential, cap rate, and return on investment (ROI).