And obviously they wouldn’t be owner occupancy for tax season anymore so I’m trying to work that new percentage into why we would be a good choice for selling to.The comps on similar properties are anywhere from $350-$400,000.

So every extra payment you make lowers the balance and the next months interest is calculated as a percentage of the previous months ending balance.

As I was re-reading some of my loan documents, I re-read the pre-payment penalty on a loan and it's worded after the percentages:  "of the principal balance then outstanding shall be paid to the bank" - what is the percent prepayment penalty based on? 

What percentage of these 2200 leads are Great, good, bad, worthless?

A "well behaved" reserve funding plan will grow by a smooth percentage rate year over year which should be near inflation.

Does this money come out of the private/hard money pot (i.e.) and if so at what percentage is typical for closing cost?

The end result is positive because you are saving in bigger percentages by doing that. 

. $400k *.60 = 240k sheltered, Capital gains tax paid on the remaining 160K.I get it that the longer you stay in the house as a primary, the percentage increases in either case.

The loan offer will be capped at a percentage of LTV and if it is lower than expected you might not wish to proceed but will still have paid the Appraiser.

Your HOA dues are based on this percentage of owned space.