I am dedicated to work hard to achieve my goals and hopefully I can help others along the way. 

A few other notes, not sure is every company is the same but I think you can only borrow half the account balance.

The idea is to manage your credit accounts at a zero balance.

This would allow for a low-rate, 30-year residential loan, but the loan balance would be on everybody's balance sheet in the full amount.

If you can't fully pay off the heloc, just attack the balance with your cash flow and pay it off as soon as you can.

Could the city provide resources or assistance to make it more achievable?

I've watched family members play the equities game over the last 30+ years & we are WAY WAY ahead of anything they have ever achieved. 

I am looking to build a portfolio of cash-flowing properties to achieve financial freedom.

I am hoping some note investors might be able to share some insight as to how they might value a performing note and what they would offer to acquire it.Stats: $650,000 - Property Value$458,000 - Property Purchase Price$418,235 - Original Loan Balance$391,941 - Unpaid Loan Balance376 months - Term remaining (420 months starting term - note has never been delinquent or in default)4.042% - Interest Rate$1,862.88 - monthly paymentAny advice on how to look at the deal would be great as I am primarily a multifamily investor and not as familiar regarding the nuances of note investing. 

So is it best to bank that money regardless or make additional payments to pay down the principle balance on those loans?