10 years $0 cashflow then 100% or $600 on a 30 year note

[Justin Green]

Question?

Would you hold a rental for 10 years with little to no cash flow to have 100% cash flow once it is paid off? You only get tax depreciation, principal pay down, market appreciation in trade for your time running your own PM.

Or would you refi the loan to 30 year with $600 cash flow per month? Obviously shorter loans would net less. This gets all the above plus cash flow.

Numbers;

loan $140K rent $1500 per month