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I bet you are. You would have to be, if you're a tax agent and you can't tell the difference between pre and post tax income. It costs 10,000 of your PRE-tax income, yes. It only costs you 5,850 of you AFTER tax income. I doubt you're going to find many clients to use your services for...

You can't double count the 4,150 tax. If you didn't have the property, you'd pay it to the tax office. If you have the property, you don't have to pay the tax office but have to 'pay' the bank instead. Either way, the 4,150 is not an extra cost to you. So the only 'extra' expense of owning the...