@Kathryn Lewis Comparing a short-term rental to a 401(k) investment is really apples and oranges.

Or you excluded something from the actuals but didn’t also exclude it from the budget numbers to get a true apples to apples comparison (yes).

For the last part, why not use a separate calculator (that allows for additional payments) and compare it to the AIO so you have an apples to apples comparison of the total P&I payments and payoff timing forecast.

I totally still use Apple Numbers spreadsheets, but I've built them in such a way that they cover all of the bases for my Wholesales, Wholetails and Rehabs.When you tell them you require a 15% IRR how do they respond before they blow it off?

It takes one rotten apple to make you wonder if you're doing the right thing.Pick your head up, call it an expensive education and know that you can still succeed.

paved streets, kicked out the bad apples, added lighting, security, and enforced park rules before bumping rents What was the outcome?

Back to picking our apples.  

Local, apple, Cuban and praying hand bananas.  

Ya apples and oranges of what I do and what your looking for..

It's apples and apples most of the time with websites.