This is pretty interesting - the DIY version of just tacking on $1000 to your payment per month takes more interest - (even including the $3500 compounding) and almost 2 years longer.

At the end of the time of the DIY version, you'd have over $20,000 in the bank more, even accounting for $3,500 initial outlay. Also you could be two more years into buying your second home and using the first as a rental.

I checked your numbers against another person, theres came out a little bit less ($54.9k) and about 2 months sooner, but still pretty close. Why would the results differ?

I can't PM you...got an email?