>unless you play stupid accounting games What games would those be? What I did was: a) exclude principal repayments (they are not a cost, they are an investmen

>unless you play stupid accounting games What games would those be? What I did was: a) exclude principal repayments (they are not a cost, they are an investment. They are also entirely optional - any house buyer can take an interest only mortgage). b) factor in the tax advantage (which is actual money in my pocket, either by paying less withholding, or by getting a check from the IRS at the end of the year).