I'm a little confused why you are stuck on the concept of discounting and reinvesting, because to me, i think ROI would accomplish the same result by comparing return vs other investments (opportunity cost), unless you are assuming that you make no return in beginning and huge return at the end. 

I’m assuming it’ll stay in the 680’s until I lower my debt/income ratio which kind of sucks because that’s what I’m trying to accomplish through rei, but that’s the way it goes.

What are you looking to accomplish long-term and what avenues of real estate are you interested now?

Since you are able to save a lot each month it should not take long to accomplish this if you are dedicated to it.

Good for you Daniel, you should be proud of what you’ve accomplished so far.

Whats your favorite way to accomplish this? 

The key is to have one and to focus significant amounts of your time and energy until you accomplish it.  

So I have been ordered by the Doc to stay home for an extended period of time. I can't stand sitting around. I am a sales guy used to doing business over the phone and I need to stay productive.  What are some ideas o...

By incorporating daily exercise into your routine, you will be better prepared to take on the challenges of the day.Plan AheadTo get more out of your day, you need to have an idea of what you want to accomplish.

There is nothing wrong with this idea as long as you're not spending more than you really need to accomplish this goal.