In either case, a judge will compute the APR you're charging.

You would need to do an IRR calculation to compute your return considering the money goes in slowly.

I am still 20 majoring computer science from a university in arkansas,i will graduate in about 2 years and then 2 more years for masters.Should i start investing now or after i am done with my masters?

You'll do fine just don't turn into an Eco nurd trying to justify every transaction by opportunity costs, or computing pro formas with trend analysis models.Sounds like you have a great plan, now work the plan!

Although, I'm sure I would have gained some knowledge and use from the program, I feel I can also get that same help and knowledge from BP, but without the $2,000 "tuition" cost.I'm looking to chat, meet and otherwise network with any real estate investors who are starting out and just want to chat with like-minded individuals or seasoned investors who would trade some of their knowledge for some of my computer skills.

Compute the interest on the whole amount, add it from the amortization schedule of compute it based on a 360 day basis.

I have downloaded the books several times on different computers.

I don't use Apple computers so not sure what options are available in spreadsheet programs for Apples.You could try Fiverr.com to find someone to do the data aggregation you want.

Back in those days we didn't have computers, but MLS Books, which came out once a month, so we would get updates every 2 weeks with the new listings, so it was easy to know all the inventory.

In most places, points, fees, and interest rate are computed together to get the APR.