.- Basis adjustments: Renting out more of the home (like when Brother A’s room converts) increases the depreciable basis percentage, so the math isn’t static...it evolves year to year.

Do the math on average stay for both and combine. 

But if you are only looking at it as a way to save some money once or twice a year, your time is better spent elsewhere.I would also do the math and compare it to your W2 job now.

I see it every day with folks running deals by me that when I do simple napkin math they dont come close to working..

But here's what I discovered: PMI removal might be the better play.The Math That Made Me ActMy numbers:- Original loan: $468,000 (90% LTV)- Current value: ~$530,000 (conservative estimate based on recent comps)- Current balance: $451,000 (after 2.5 years of payments)- Current LTV: 85.1%To get to 80% LTV, I needed my balance at $424,000.

But, the market is still strange and it's hard to make the math work outside of the tax savings.

I invest in the Midwest, and my approach is to focus on properties that cash flow reliably first—look good is secondary.

Did all my math and calculated that I should easily be able to cover expenses and cash flow $1-2k per month.

In addition, the 30-year fixed-rate MBS price (such as the 30-year UMBS 5.5) should be closely monitored, as it is in lock-step with the mortgage rates, just in opposite directions.I also agree on your point about documentation—those underwriting requirements aren’t just red tape, they’re what keep the secondary market working and make 30-year fixed loans possible.

still not following the math how do U get 240 lots on 64 acres?