I've met a lot of investors combined with the information here in BP that helped me out tremendously.  

The 50k appreciation that you have combined with a negative cash flow offset by a tiny mortgage reduction over a time frame such as a year.

This issue combined with an unrelated bad investment and her husband's medical issues and subsequent job loss - it really was a perfect storm of crappy things for her -  and she ended up declaring bankruptcy and sold her properties (she only had 2 besides her own home).  

In Excel, the function is "PMT", and it would basically look like:=-pmt(rate, term, PV)rate is the interest rate in percent per monthterm is the term in monthsPV (present value) is the starting value of the loan.On a financial calculator, there will be some button that does it, and you'll enter the three numbers.If worse comes to worse, you can buy a payment table book.Or, use a "money factor" and do it like car salesman.

I use the room mates $1000 rent (combined) to pay off my debt.

You can always add an override function that allows you to use the "50% rule".

I see that function works about as well for you as it does for me lol!

Hey I'm looking for someone that has used or knows how to combine a personal property trust with a land trust....Also Trying to Form a LLC with a Trust and single member????

I am a Landlord with 4 Rental Properties.2) Are free and clear (well I have 60,000 loan on one that I secure part of my personal residence with)2) Are on a Commercial loan (Up for refi this year) I owe 108,000 combined on those 2.

Depend on your DTI ratio, (And it may worth waiting for after your marriage so you can show a combined income) but my suggestion, is to look for two houses near Austin, TX area.