Don't get mad at me because you don't understand...First thing is Roy doesn't choose to pay anything...they have their own notes that they convert at their own leisure...Once they have the notes it's out of roys hands when they convert them...
when you purchase a house, how much of your monthly payment goes to the principle? very little and how much does the balance of the loan increase? a hell of a lot...and why? well that's because the interest is always paid first... the $125,000( as example purposes only) you borrowed turns into much more (on the books)...read about basic financing since you apparently don't understand how it works
look up amortization schedules online and play around with them...
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