You Got $25,000: SPLIT It, or ALL on the Mortgage?

A month back I ran a $20,000 windfall three ways — all mortgage, all market, all savings — and the comments voted for a fourth door: just split it. So this is that video. $25,000, split evenly three ways on a $340,000 loan at 6.625%, against all three all-ins — 25 years on paper, after tax. The honest answer: at the market's 10% long-run average the even split finishes SECOND at $148,923 — and it beats the all-mortgage plan by $12,464. At a 7% average it drops to third. Across every steady return from 4% to 12% — tested at every half point — it never finishes first and never finishes last. And the real find is the mistake inside it: the savings third is your emergency floor, and floors are sized in months of expenses, not fractions of a windfall. • The loan: $340,000, 30-year fixed, 6.625% — five years in, balance $318,731, payment $2,177.06 • All house: loan dies 4 years 3 months early, $87,965 of interest never charged, pile $136,460 at the same 10% average • All market: $301,424 at the 10% average, minus the $41,464 tax at the exit = $259,960 — IF the average shows up • All savings: 4% APY taxed every year is really ~3.1% — $54,482 • Door four, the even split: $148,923 — second place, $12,464 ahead of all-house • The 7% world: all-house wins, the split runs third — same split, different average • The bar between house and market: 7.12%/yr — right where the last two videos put it, because your rate sets it • The mistake: $8,333 is not a floor. Three to six months of expenses is a floor — on this loan the payment alone runs $6,531–$13,062 • The desk version: fill the floor first, in dollars — then split the rest between house and market on purpose 📅 WORK WITH ME — I'm a licensed mortgage loan officer (NMLS 410420) and windfall questions are half my inbox. Want yours run on your actual loan? Book a free call: https://brokerdave.com/book 🧮 FREE EXTRA PAYMENT CALCULATOR — what a one-time lump (or monthly extra) does to your payoff date and interest: https://brokerdave.com/extra-payment-... 📧 ASK ME A QUESTION — not ready for a call? Email me and I'll answer it: ask@brokerdave.com 📱 SAVE MY CONTACT — keep my info handy for when you're ready: https://lurbee.com/c/david-lurvey 📘 MY BOOK — "DSCR Loans Made Simple: The Beginner's Guide to Financing Rental Property" (Kindle + paperback): https://amzn.to/4gRPRDt 0:00 The comments voted for door four 1:01 The loan on the table 2:12 The three all-ins 3:36 Door four 4:21 Like + book a call 5:08 The flip 6:20 The mistake inside the split 8:14 From the desk 9:29 The whole board David Lurvey | NMLS 410420 (chapter titles 1 and 9 are the viewer-facing names for RECORD_SCRIPT §1 COLD OPEN and §9 RECAP + OUTRO — deliberate; the middle seven match their sections) | Cornerstone First Mortgage NMLS 173855 | Equal Housing Lender | educational, not personalized financial advice This video is education, not financial, investment, or tax advice. I'm a mortgage professional, not an investment advisor or CPA. Market figures are long-run historical averages run at constant rates for comparison — real markets don't move in a straight line and past returns don't guarantee future ones. Tax figures are illustrations: 15% long-term capital gains applied once at the end (basis = contributions; dividends treated as reinvested and taxed with gains at the exit — real taxable accounts pay some tax on dividends along the way), savings interest illustrated at a 22% ordinary bracket, no state tax modeled, no mortgage-interest deduction assumed. Mortgage figures are principal and interest only. Savings rate is illustrative of high-yield accounts at publication and changes. Run your own situation with your own licensed pros before moving real money.