Extra $3000/mth, pay down mortgage v SEP IRA v 457 def comp retirement

[Sarah Jukes]

Hi! Just purchased our 2nd investment rental property. Loan amount $304,000 7.3% interest (house value $600,000). Other rental loan is 3.5% $553,000 (house value $770,000). We can pay an extra $3000/mth. Could pay off the smaller loan higher % loan in 6 years if we use for that. Or pay the $3000/mth into my husband's SEP IRA, or my 457 plan (I newly work for the county).

Our retirement plans are new and empty. We are 47 +48 yrs old. Would like to retire by 58/60...

We own our primary residence with no loan (house value $1.7 million). So the 2 investment properties we could pay off by the time we retire and that income is our retirement (current total gross rent $7300/mth), although we now have the new IRA and 457 plan......

Any advice!? Or who would we speak to about this without them 'selling' us something.. financial advisor? tax advisor?