I didn't realize that was annual.I ran the numbers if I bought it all cash and I get $226/month in cash flow.

The savings were usually not realized instantly but within 6-12 months.

So for paying an extra 14.5k over the period I would wind up 28k better off so actually 28k-14.5=13.5k better.Other considerationsI realize that by using a 401k loan I could potentially miss out on the gains that the 21k would have seen in stock market.

Kinda realized if you have a loan on something someone can take it away from you...lessons learned had are lessons learned well.

I only mention this to help everyone realize that money is only a small part of life.

I just realized I posted this in the wrong forum....

Just realized I can edit a post but cant delete?

I realize there is guru accounting, but this is reality in providing any financial statement to show financial positions under various legal requirements.So, really, buying a great deal doesn't really give you instant equity. :)

I didn't realize at the time that he was beginning to take me under his wing.

They have been in that house for nearly 2 years, and now I realize they just pay things late, and don't complain about the late fees.I'm really confused why someone would call a tenant and leave an "nasty smart@ss" message.