Quote Originally Posted by fortpatches View Post
I am not sure where "making your money back" comes into the picture since you always have more money each month. Like, you don't talk about "making your money back" when you just measure interest from money you put in a savings account.

This would be more akin to amortizing 30% of my electric costs over the next 30yrs and not having to pay the other 70%.
Because you can't finance $230k, you can only finance $200k and have to pay the additional $30k out of pocket