Cash on cash return is one of the main computations that have good reason but it is just one one sign to look at.  

I grew up in Vancouver, Canada and moved to Waterloo, Ontario to study computer science.

After not being able to find a job, I went running back to the safe haven of academia to learn the new up-and-coming skill of computer programming (this was before the Internet).

So I was looking solely at fixed rate loans thus far although they do cost more.My Plans for the loan are as follows: Loan Amount $40,000Purchase a moderate vehicle $15-17.5kSpend about $10K of the loan for my first 3-6 months of marketing (obviously can increase this as I make money and reinvest in myself)Spend 2000-3000 fairly immediately in upfront costs of the business (Suits,cards,signs,flyers, I also have a company provided laptop so I would need to purchase a computer as well)and the remaining 9-10K, I plan to actually just save/sit-on, so I can at least cover the payments on the loan + pay my rent for at least 6 months.

This means an hour plus on the phone/computer for each application and a hard pull of credit. 

So I am a sophomore at the University of Maine for Computer and Electrical Engineering and currently have no Student Loans as I have and will be able to pay the amount of the loan to my parents and thus not need them.  

If so, is it installed on your computer or online?

Does anyone have any idea how I could compute the cashflow they may have been missing out on for the past 20 years? 

For comparison purposes, do not pay too close attention to the pre-paid items or the escrow portion of the fees as in the end they will all be the same, just figure out who has the lowest Lender/Title fees and then once you narrow it down, have the LO's explain the escrow portion, I say this, because a newer less experienced LO will "just let the computer figure it all out and a lot of times on the estimate they will just use generic figures like 6 month taxes and 6 months insurance, however, this is not going to be accurate, these should be based on when the next due date is and a reasonable pad (2-3 months is standard for this pad).

Cable is quickly becoming an outdated concept in a world of super computer telephones and on demand services.