FWIW I was in SCP house. I would have to pull out every inch of flooring in that house. The pictures look nice but the house has alot more wear and tear on it than they show. Photoshop is a wonderful thing. The SB homes are new construction, turnkey and under 10 year builder warranties.
Monthly payments have everything to do with the value of an asset. Ever heard of discounted cash flows when valuing an asset? Its the same as valuing an investment property but in this case the owner is the source of the rent payments. Someone who has probably never taken college level business courses wouldnt understand that.