I know this may sound like me being lazy, but isn't the point of the calculator to save the time required to manually add numbers?

Sadly, the excellent attorney who set up dad's trust, retired years ago; I've been trying to find another near us without success. 

That said, if the borrower is managing multiple projects, they may prefer to keep more of their current reserves to use on other projects rather than saving a few thousand dollars in the long run by paying upfront points.

You could bump them to $1,800 which saves them $2,400 a year and costs you $2,400 a year.

But you save huge money.

Read books and blog posts here on BiggerPockets and save yourself the money

Sounds like you want to buy something to hopefully retire to one day but essentially want to break even for the time being? 

   Hey guys I'm new to the forum, I just stumbled upon the forum yesterday, I'm 23 years old right now I've been flipping used cars and doing contractor work for the past year and i've saved enough of my profit to purchase my first property, any advice, tips, book recommendations, courses or thread recommendations would be greatly appreciated, I'm in a mode where I have an immense appetite to learn and absorb content.Thanks,           Quin

Meanwhile, save every penny that you have in case a deal falls into your lap.  

My grandmother was a realtor for 40 years and just retired, so the business has been close to the family for a long time.