Wow, that’s hard to say because I don’t know what question you’re asking. You’re the one who introduced all of initial variables and then you added some more. And even your one variable is two variables, right? That is, rent per month and a number of months.

You might suggest that it’s a single number (i.e. $90K), but look back and you’ll see that when you blew off somebody elses attempt to add a variable (lower rate re-fi), you had the wait at 2 years. I suspect you changed it to 3 to help your cause. I added the notion of 30 year payoff and that’s it.

So, with one exception, let’s have you set (or simply restate) the rules and we’ll run the numbers. The exception is that the total 30 year payment total for both deals have to equal each other. This criteria was not met with your initial figures ([email protected]%, [email protected]%), the latter actually costing an additional $25,729.50 over the course of 30 years.

Also, no need to debate yet, this is just a math problem, so give me the numbers and we’ll run the math. After we’ve done that, we can poke holes, add variables and maybe even learn something.