“As the excercise progresses it often times reveals alternative benefits such as whether or not it makes sense to prepay a loan regardless of the method.”
I looked at this Ray,
Some sites like Motley say that it is a no brainer to invest and make a normal scheduled mortgage payment. The link I posted is more balanced and concludes with the opinion that it depends on the investor. That is the way I have looked at it. If someone had a really strong argument either way I would do a bias check. Do they want to manage money instead of see people pay off their mortgages?