Perhaps add that part to calculus.

Here’s my current calculus in my area of New Jersey NJ - each 1 furnished room rents for $1000-1200/mo with like 5% vacancy and each furnished 2 bedroom apartment rents for $2500-3000/mo with 10-15% vacancy.

There are some that are better at RE than others, but I am certain it is nowhere as tough as quantum physics, Calculus, etc...so I get confused at people saying they are hear to help, teach and mentor yet I read many posts of people pretending to help but their "advice" is laced with condescension, arrogance, finger-wagging, etc.  

As a lender, I'm sure you know a million agents, but you may consider finding one who owns investments, and therefore understands not only the mathematical calculus of divesting from an investment, but the emotional ramifications as well. 

Right now the opposite is the case, though (at least in most cities).My calculus is a bit too involved to explain here, but a simplified version is this: historically the stock market goes up 10% a year (before inflation), so all my real estate deals need to make at least that CoC between appreciation, principle paydown, rent, etc. with similar levels of risk.

(New laws in the IUL industry wont allow that anymore anyway) never could show something like that in a WL policy illustration.These are VERY VERY VERY complex and confusing products and vary greatly from once carrier to the next & 1 product to the next which further complicates the calculus!!! 

Someone with no debt will have a different calculus than a person with high credit card debt, and so on.Ditto @Greg Scott, @Clancy Catelli, and @Thomas S., and @Ray Lai

As unit acquisition costs raise, it elevates that rental calculus basis, thus raising rents, which has a feed-back-loop of raising unit pricing.   

This reminds us of a 2nd grade math teacher taking all the credit for his student getting an A in calculus.

Quote from @Travis Timmons: @Bryan Nwokem if it is a house hack, then it changes the calculus of the decision.