Subtract $200,000 = $186,511.57 total interest paid - 93.26% of the initial principal balance.If paid to term, the principal portion of the payments remains less than the interest portion until after the 194th payment ... better than half of the lifetime of the loan - 16.25 years in.

When you buy the property, you should factor in interior paint depending on where you got the property. i.e.Buy an offmarket house from a distressed seller...you calculate your MAO then subtract [insert number for what it'll cost to paint house + trim...in GA, you can get it done for $1.5-$2/sq ft). 

Just addition and subtraction

Plan is to add Capex as rents go up and keep cash flow the sameIf I add 8% Capex subtract $64 out of cash flow, which is still fair numbers.

Your ARV depends entirely off how much YOUR rehab is going to cost; ask the top three RE investors in your area what they pay for ARV, then subtract 5% for margin of error. 

Change the figures, add/subtract concepts, etc as you see fit.1. 

You need to subtract whatever percent of those people who should have been foreclosed in 2020 or 2021, or at least average them out over 3 years. ps. 3 year black rock stock return is 40% gain, 5 year is 60% gain.

For us, the incomes on our properties offset the debt… the lender subtracts the rents from the debt servicing requirements.If your question is directly in relationship to the negative cash-flow scenario being discussed, I doubt the lenders link the cash outlays to the DTI calculations.  

Regardless, the rule is around 1% of the value of the home so subtract $7,200/year inlcuding general maintenance.

Subtracting 8 hours for sleep, 2 hours for eating, 8 hours for work, 1 hour for travel, and 1 hour for misc. items.