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Doesnt sound right. Contact me through my website and eml me pages 1 + 4 with 20yr projection.

I suspect your loan is IO. IO maintains deductions for the interest. Also 40 years capital allowance deductions means tax credits roll onwards. A loan that is P+I tends to result in $0 tax credits far quicker than a IO. But its cashflows are very negative to build equity from loan reduction. Its...

Pre-tax + Credit are combined.... Pre-tax is the cashflows before tax refunds. Tax refunds taper down between 10-18 years typically. The net is the final column "after tax"...You cant look at either column in isolation. I'm looking at one now...Pre-atx y1-Y8 are -. This means cashflow...