“Tax savings/benefits, is much more difficult to quantify and so therefore I leave a simplified calculation so that people can see how it is done.”

Not to beat a dead horse, but nothing I said conflicts with that.

I was simply saying it would make more sense to keep the cash flow as gross at the beginning and then factor in your tax savings in the alloted spot.

The interest deduction, depreciation, etc apply to everybody. The only difference is the tax bracket you are in and how much passive losses you are allowed.

But I’m probably beating this to death, I get nitpicky since I do this on a daily basis.