I see opportunities for a 200k multifamily which equates to 1300 a month mortgage/property tax.

Where did that come into the equation?

The way I read your post is that it appears you might be equating a rental to being as passive (or nearly as passive) as a stock or a bond.

The idea was there is much more to STEM jobs than equations.

I've been searching around but, almost every method gives me a different rate of return and some use future sales of the property in the equation which in my opinion is not a factor at my age.

You'll love being on the other side of the rental equation...

I'd have to dig far and wide to come up with an equation that would challenge you.

Your $3 to $5K down payment does not equate to 10% down and most sellers would be more comfortable with more skin in the game on your part.

That brings in $1100 per month.Current loan: $188,000 / Owed: $181,000 / Monthly payment is: $1340 / Although I pay into it $1500Originated 07/2017 / Rate 3.75% / PMI = $122 / Credit 740+ / Previous Appraisal $197,000 / Current Comps $220,000I ran the whole "Should I refi equation"(Old Rate – New Rate) /12 x Amount Owed / 100 = Monthly SavingsAnd figuring a New Rate of 4.25 I got about -$75.

Obviously the financing of the project is a big part of the equation.