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

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

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.  

Here, the delta that the capital is generating for me (and opportunity cost of not financing the vehicle) would be 6% of $20K.So again, my calculus is that if the capital can generate a higher yield than the interest I would be saving by paying off my debts or not assuming them in the first place, then I say yes to the debt.Of course, it is always important to factor in the risk of the expected yield. 

There is so much wrong and incorrect with comparing the mortgage situation today with pre 08/09 that it's like talking to a toddler about calculus, that's how utterly clueless those of you look when you argue that point, like clueless children. 

If you have taken calculus, go study engineering.I would recommend electrical, computer or mechanical

Math for real estate is much easier than the calculus required for engineering.

I aced college level physics and chemistry and calculus 1 & 2 in High School.

It only makes sense plus less calculus to figure out!

My mental calculus is that I want returns in excess of 25% above what the passive S&P 500 Index has returned historically (~8%).