That's a calculus that depends on supply and demand of your local market on one side and investment return on the other.You also lose tax deductible interest on the paydown, which shouldn't be a primary consideration, but should be considered none-the-less.Again, not a financial advisor, just a tax CPA

Once I figured out that my basic education in math (adding and subtracting) was more important than my college Calculus, (and accounting), I started smiling again.

@Matthew Paul But a "guru" of REI said wipe UP, not down, UP, so we must all do this, he's a "Guru" of REI, he fart's roses and cherry blossoms, defecates gold bars, in 3rd grade instructed his teachers on calculus, knew how to ride a bike before he ever saw one, and not only walks on water but waltz's on it....... 

Perhaps add that part to calculus.

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!!! 

To get financial planning licenses 400, 500, 600, 700 series they want to see courses you have in business, finance, and even calculus and statistics.  

This is equivalent to a 1st grader telling us all how calculus works, lmao.