I think that it might work out for you why, (please note that I am no mathematician lol): Your initial costs are estimated at $25,000. Your estimated maintenance fees are $4576.36 but that price increases each year. You would rent 400 points each year at $12 per point. Most of those contracts are good for 29 years so I used 29 years as the maximum number of years you would be able to rent 400 points. So I multipied $4576.36 (maintenance fees) by 29 and came up with $132714.44. And then I multipied $4800 (rental income) by 29 and came up with $139200.00. Now take the initial costs of $25,000 plus $132714.44 (maintenance fees over 29 years) minus your rental income of $139200.00 (based on 29 years) and you have spent $18,514.44. Your maintenance fees as of right now, without having added any points on, for 29 years would be $60,552.80. So now if you do all of those add ons and rent points, you would have more points and saved over $42,038.36. I took $60,552.80 minus $18,514.44. However, these fees are all based on 2013 and assuming that you would be able to sell 400 points every year at $12 per point.