Quote from @Sebastian Geiman: Hey everyone,I'm currently exploring note loan investments and looking to take a deeper dive into simulating different scenarios with variables like origination fees, interest rates, and exit fees.

We are saving around 50%+ of our income on a yearly basis, while also putting away for retirement and we would both like to get out from under the mortgage on our primary residence sooner rather than later.After plugging in some of our numbers to a spreadsheet to simulate a first lien HELOC it seems to indicate that we would be able to payoff our primary residence in ~10 years while also paying significantly less in interest from a conventional mortgage.

For the right borrower it can have amazing results, here is an example of a simulator and loan scenario we recently closed for a borrower. 

If credit is the issue, talk with your lender to run a credit simulation to see what actionable steps you can take to improve it.  

This duplex will most simulate TWO INDIVIDUAL HOUSES.  

Okay, we can't expect unsophisticated neophyte investors to utilize financial analysis, risk management, Monte Carlo simulation, etc to mitigate risk.

Like a calculator to simulate this strategy (https://www.biggerpockets.com/forums/61/topics/795487-retire...), maybe showing how much equity could be pulled out of which property when, whether the portfolio would still cash flow, etc.

Credit Karma has a fantastic "score simulator" tool that you can use to project credit score changes (paying off balances, opening a new card, using an old card that has not been used in some time, just paying your bills on time for 6 or 12 months).

A simulator/game could really help with that.

Is there a simulator somewhere that can help me estimate what my AGI will be to try to figure out how much I can liquidate?