Yes the gain is 96 (format and language are confusing me)Again, the "neutral cash flow" is a false set up...your financing should yield positive cash flow after loan payments etc so you need to add in that 15 years of positive cash flow in addition to the gain. 

@Eddie L. having reviewed all this information, I don't know if I'm more confused or less confused..."

There's a lot of confusion on who pays right now.

There is a grain of truth in that sentence but it's a case of confusing correlation for causation.

My experience has been so far that the website and application is rather intuitive and easy to navigate but once you hit the "submit" button, the confusion and frustration begins.  

I'm confused.

I’m confused about getting home warranty.

I’m confused on that partAlso I’m newly self employed so getting financing isn’t easy, so I feel like this could be a great way to get started in real estate investing

@Matthew BaileyJust double check that your setup doesn’t qualify as a self-rental— or whatever the specific term is...I get the specifics confused... basically, if your rent a property to yourself, the irs considers the income as active while your rental deductions as passive, so you can’t offset each other since in different buckets.But, maybe if you use two different entities or if you are just one of the tenants it’s okay..Like I said, I do get a bit confused on the specifics.

I am just confused on how to get the process of actually buying real estate started, and would like some help.