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442155 Points
Joined August 2012
Sure I can give you a couple of hints, but the best one I can give you is that you are not going to get a reliable answer by IRR etc.
The most natural way to evaluate a scenario in thru two questions: What do I give, and what do I receive.
The first one is the most easy. The second one is the really tough one. In order to answer that one you must (among other things) calculate Interest Income and Interest Expense. The problem with IRR, NPV etc is that they cannot make any attempt to address those calculations. Plus the number of built-in inaccuracy issues is staggering.
Fortunatelly, there is a methodology called c2bii that can give a reliable answer to that. In order to understand it, you must be familiar with accounting (a requirement that most of us meet). Give it a look and you will be surprised how easy it actually is to produce an accurate answer.