I agree with you that the first years you can do better.However now look at year n when the formula become:(R)^n  vs 0.85 x(R+2)^nif R=10% n R^n 0.85(R+2)^n 1 _ 1.10 _ 0.95 2 _ 1.21 _ 1.07 3 _ 1.33 _ 1.19 4 _ 1.46 _ 1.34 5 _ 1.61 _ 1.50 6 _ 1.77 _ 1.68 7 _ 1.95 _ 1.88 8 _ 2.14 _ 2.10 9 _ 2.36 _ 2.36 10 _ 2.59 _ 2.64 11 _ 2.85 _ 2.96 12 _ 3.14 _ 3.31 13 _ 3.45 _ 3.71 14 _ 3.80 _ 4.15 15 _ 4.18 _ 4.65 16 _ 4.59 _ 5.21 17 _ 5.05 _ 5.84 18 _ 5.56 _ 6.54 19 _ 6.12 _ 7.32 20 _ 6.73 _ 8.20 21 _ 7.40 _ 9.18 22 _ 8.14 _ 10.29 23 _ 8.95 _ 11.52 24 _ 9.85 _ 12.90 25 _ 10.83 _ 14.45 26 _ 11.92 _ 16.18 27 _ 13.11 _ 18.13 28 _ 14.42 _ 20.30 29 _ 15.86 _ 22.74 30 _ 17.45 _ 25.47 31 _ 19.19 _ 28.52 So it takes until year 9 to catch up, but after that the life insurance wins...If you want to make R a 35% return, then it will move the break even at year 11.As we all said before, it is a long term strategy that pays big eventually.

If you are buying DeWalt cordless tools, make sure they are the XR models and not the homeowner 20V tools.

Dewalt 20v XR impact driver.- I use it on every project it is a invaluable tool that runs forever on a charge and has all the power you could ever want from a cordless.2.

Basically, all loan calculators work on the  similar mathematical formula: [P x R x (1+R)^N]/[(1+R)^N-1where P stands for the loan amount or principal,R is the interest rate per month [if the interest rate per annum is 11%, then the rate of interest will be 11/(12 x 100)],and N is the number of monthly installmentsAs you have all three figures i.e your total loan amount, rate of interest and the period, then you can easily calculate its EMI on the basis of above formula.

One year property A needed $X amount in repairs then a new tenant moved in and needs X+R+U+C+R+A+Z+YThe next property I pick up with have the plumbing inspected to a T and Replaced of the hint of damage.

I absolutely love my XR series tools.

We've even done scans for museums, hotels, and event centers with their technology.If you want to look more into collaboration around RE, particularly rehab and construction, you can explore technology like virtual, augmented, and mixed reality (collectively xR) for viewing and editing BIM files. xR applications are just coming to market and will make a significant impact on the industry over the next few years.Hope that helps,Mark

There are sooo many factors that make one strategy more efficient than others.Plans for the home (minor touches, "to the studs", make it glamorous), condition of the home, its price in comparison to comps in the area, credit score, personal goals and fears (big factor), plans for children such as college, terms of the sale, trust in your inspector and your team, your workload, your current medical health, your stress tolerance, tax benefits, your family's stress tolerance, area's growth, your trust in the seller's disclosure, offers on the table, current interest rates...you get the idea.2) One of the most beautiful formulas (besides Euler's Identity) is:Interest = P (Principal) x R( Annual Rate %) x N (Time Period).

I remember a contractor telling me the Dewalt (20V Max XR Brushless tools) run (per DeWalt) about 30% longer than the (20v max) tools using batteries of the same size, but they are quite pricey...Though if you are interested in them for that feature, verifying that for each tool might be wise.Good Luck!

I also do research in the applications of xR.