but what you dont understand is that i have ZERO interest in paying it off in 9 years. i never said i wanted to. i never said id try to. i dont want to. i want to ride the mortgage out to keep the initial expenses low. once my gf and i move out we would rent the 2 units and apply the income to the mortgage one payment at a time. nothing ever came from me that said i want to pay it off in a hurry or that i was hoping to pay it off in 9 years. 64,900 across 30 years. thats all i ever mentioned.