Va Loan home pay off early and use again ....or not

[Joe Szymczyk]

Hello BP family,

I have a beach house that i bought with a va loan  312k....i have 266k left to payoff..current market value is 410K ish,...date for loan is due01/01/2043....at interest 3.25% currently locked..its a rental....rent is 1750 after property manager...mortgage is 1650... i am 45

if i keep the loan as is will pay of at 68ish....

should i make extra payments and pay off earlier.....and use the VA loan again to buy another home? (if i make an extra payment of 200dollars monthly...will pay off earlier by 7 years..so 61... or ..speed this up more?)

or let the loan ride ...till 2043? (if i do this at 69 should i be buying another property ...or leave the realestate game?...if i got another one  i would pay off when i am a 100 years old....not sure that will work)

if i dont make the extra payments ..on loan...i will put those into SP500  mutual fund....annual return 8-10 percent...

or do you have any other ideas on how to work this scenerio to win.....?

just thought i would like to use the VA loan one more time before i become 150 years old....haahah