So for each dollar saved in taxes by not increasing salary, I assumed earned 12% starting year 1, reinvesting each year those earnings, and the same on the 401k money. 

I know that a benefit of paying off a loan is increased cash flow, but I am curious how not paying down a loan can also generate cash. 

I take out 20k of my own money plus the 40k and retire 1 of them and my cash flow increases $500 per month.

Cap Imp vs Repair Expense IRSI'm in the middle of doing some 2017 tax crunching last minute so of course I am on Bigger Pockets forum instead of finishing up my taxes :-)Anyways here's a useful tip on Cap Improvement vs Repair ExpensesMy strategy has always been to increase regular maintenance, repairs (Repair Costs) and spread out costs over time instead of the hands off approach to defer maintenance into larger Capital Improvement expenses. 

*looks at her bookshelf* Of his, I read (according to my bookshelf)- The ABCs of Real Estate Investing, Guide to Investing, OPM- Other People's Money, Real Estate Loopholes, Increase Your Financial IQ, Before You Quit Your Job, SalesDogs, and The Advanced Guide to Real Estate Investing.

I would increase that percentage with other factors, such as if the hourly painter came from a reliable referral source.In a nutshell, an hourly painter to me sounds inexperienced and better be waaaaay cheaper than everybody else.

If you own a property through a reassessment period your taxable value is capped at a 15% increase at each an every 5 year reassessment (not counting physical type changes).

I’m ignoring closing costs in this post due to immateriality.In addition to the cashflow, about $100 of each mortgage payment went toward reducing my debt, and increasing my equity. 

Will increase that in my calculation.

I am experiencing an issue where my properties values are increasing much faster than the market rent can keep up with.