. :-)OPTION 1Current home value - 425000Extra payments - 4000Total interest spend over the loan - 85000Resulting equity - 340000 (425000-85000)Time to pay off the remaining loan in months by paying 4k extra per month - 28 monthsNext loan amount - 540000 (600000 - 60000 10% down)Extra payments - 8000Estimated home value after 10 years - 625000 (modest evaluation)Total interest spend over the loan - 60000Resulting equity - 565000 (625000-60000)Time to pay off the remaining loan in months by paying 8k extra per month - 56 monthsNext loan amount - 540000 (600000 - 60000 10% down)Extra payments - 10000Estimated home value after 10 years - 625000 (modest evaluation)Total interest spend over the loan - 50000Resulting equity - 575000 (625000-50000)Time to pay off the remaining loan in months by paying 10k extra per month - 47 monthsOver 10ish year I will have a total equity of 1.48M which is an average monthly increase in personal net worth of about 12,000 over this timelineOPTION 2Current home value - 425000Extra payments - 1000 (it would drop from 4k because 2k would go to the other loans principle and I would lose 1k as an expense for the extra loan)Total interest spend over the loan - 95000Resulting equity - 330000 (425000-95000)Time to pay off the remaining loan in months by paying 1k extra per month - 64 monthsNext loan amount - 405000 (450000 - 45000 10% down)Extra payments - 2000Estimated home value after 10 years - 500000 (modest evaluation)Total interest spend over the loan - 100000Resulting equity - 400000 (500000-100000)Time to pay off the remaining loan in months by paying 2k extra per month - 131 monthsNext loan amount - 405000 (450000 - 45000 10% down)Extra payments - 0 (money is being used for other loans)Estimated home value after 10 years - 500000 (modest evaluation)Total interest spend over the loan - 330000Resulting equity - 170000 (500000-330000)Time to pay off the remaining loan in months  - 360 monthsOver 10ish year I will have a total equity of 1.29M which is an average monthly increase in personal net worth of about 9,800 over this timelineI know this is very detailed and you would probably have to spend a few hours figuring this out, but If you could help me by providing some benifits to option 2 that would be helpful.Thank you

Sites like BP, Zillow and the linke actually increased in numbers.The odd thing is that afternoon MOZ updated it's thing, I actually increased both my PA and DA, but that evening (just a few hours later) my PA dropped 10 friggin points... my DA remained "the same".

I don't have any problem at all with them rolling the fee over to the host (as long as they don't also increase the fee!). 

Makes them happy and increases your property value.

Think about it, I could find a house perfect for my clients then I could go to selling agent and say I have buyers but I am only bring them to you if you agree to increase my commission.

Anything you buy as an investment - if we define investment as increasing your overall financial stores, i.e. getting more money out than you put in - has to gain more value than its present day value, meaning that we have to believe that what we are buying is being sold at some kind of discount relative to its potential.

The one aspect I'd negotiate for is to increase the balloon to 7 or 10 years. 3 or 5 is too short.

With that kind of equity, the elimination of mortgage insurance will offset the increase in rate (or at least soften the blow). 

Everyone is going towards the low hanging fruit (which I get), so I'll stay back and increase my hustle for my desired deal flow.

Do you think it's better to do a FHA on a true duplex and take the increase with the mortgage insurance or to do a cheaper single family where I could create a basement apartment as a makeshift duplex paying the 20% to keep the mortgage low and easier to cover with the rent it would generate?