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That’s fair, but the long-term comparison should not make a large upfront fee look harmless. Calculate the break-even month: extra upfront cost divided by the monthly payment saving. If the break-even point falls after your plausible move or refinance date, the lower rate is not doing much for you.

Compare over the period you realistically expect to keep this exact loan, not automatically over 30 years. Add lender fees and interest paid through that date, then subtract any fee difference you would recover later. APR is useful for an initial screen, but it may not reflect your likely...

Getting this wrong could cost more than the increase produces: push too far and I may lose a reliable tenant, but leave the rent untouched and the gap may keep widening. This New York duplex currently rents for about $3,646, while comparable listings are nearer $4,247. The tenant’s payment...

Financing sensitivity matters too. Is the $350 based on terms you can actually lock in, or only an estimate? A small change in the final payment could materially alter a deal that already starts below zero. I would also compare it with keeping the same cash available rather than focusing only on...