This is a "dumbed" down version of that formula.I failed math two years out of the four years that I went to high school.

Well yea, math is math.  

It may be helpful:Here are some things to look for from an Insurance prospective:1.Any in-ground tanks (active or inactive)2.Any Knob & Tube or Aluminum Wiring3.If built before 1978, does the building have Lead Safe certifications4.Any wood stoves or secondary heating units.

Over the range microwave-there is not a space for a cabinet and microwave, (bulk head has Mechanical to the upper unit) doing the math I gain more cabinet space in those 36 inches then counter space lost to a microwave.

It's seems secondary, but work-from-home may be the largest catalyst to change.

Investors didn’t do the math on the underlying loans, and looked for easy money by buying new CMBS with stupidly high returns and fraudulently low risk profiles.

From my math, this means I would need a gross income of ~$153,000. 

For me is probably more covid fear than rational math, but we all have to operate within our comfort zone.

Look for portfolio lenders if they don't resell to secondary market they usually have more flexibility or unique loan programs.

The reality is that just about every premier, secondary and tertiary market has pockets and neighborhoods where you can find appreciation.