It looks like you're in need of a course in linear algebra.
What does it have to do with your problem? Mesh.Intersect takes start of the ray and ray direction as its parameters. You only have start of the ray and another point on the ray. So you have to compute ray direction. You do this with Vector.Subtract. Of course you can always just take (0,-1,0) for your ray direction if I understand how you want to use it.