The collaboration between Partner Driven and Seth was key to negotiating favorable terms and ensuring a successful outcome.

The house will be used as a short term rental.   

My husband and I are building 6 new construction units in Spartanburg, SC that we intend to find long term renters for. 

Short-term sacrifices and delaying gratification will bring you abundance later in life.Definitely take advantage of your first-time home buying benefits and consider house hacking a duplex or 4-plex.

My current primary ( scenario 1) Keep the primary for the life of the loan ( current rate is 4.5 so i dont see my self refinancing anytime soon)current home value 1,150,000Loan amount 935,000appreciation estimate 5% per year after a 28 year hold and the house is paid off I would have a house worth 4,312,000$my current mortgage is 6125$ ( piti) included My second option( scenario 2) Sell the house, walk away with $150 ,000 ish in hand and put that into a low cost index fund Rent a house elsewhere for about 3000$ ish and take the extra 3000$ im saving everymonths from not having to pay my mortgage and puting that money in the index fund as well I ran the numbers on both of these scenarios and doing what I mentioned above would break even at about 28 years meaning my stock account would be worth 4.3 million just like my house would , but the only is that holding a house for 28 year would mean 28 years of property taxes, loan interest ,home insurance and repairs etc whick I calculated to be about 1,200,000$ at minimum which raised my eyebrows to say the least Also i understand that each of these options ( stock market vs real estate ) will have there tax consequences ( long term capital gains) so any thoughts on that would be appreciated as well.  

How long have you been working on that? 

Can anyone advise based on their experience which will be cheaper in the long run?

It has a free plan, although I opted to go for the long dollar and spend $7 a month so I can make use of its automated workflows :)Do a quick search and check it out; perhaps it'll serve your needs.

I live in Los Angeles, so it makes things tricky in terms of flips and in-state investing.

We run a debt fund and focus on short-term mezzanine funding mainly.