And this means that we are earning interest at ~ 4.5% to 5% or so on the balance we are holding back.

This will result in paying the least amount of interest over time.Alternatively, people will suggest to pay off the mortgage with the lowest balance. 

The drawback would be if you only make minimum payments, the balance will never decrease.

When not allowed:-The entire outstanding balance including repairs, utility, unpaid bills and other charges and the outstanding rent for the lease duration is due immediately.XV.

The markets are generally pretty in balance.

Many lenders have brutal release fees to break up a blanket loan these days; many are 125% of the allocated principal balance.  

Hi Vadim,There is a conventional/FHA program called a '203k rehab loan' which allows you to purchase a property and wrap in ALL renovation costs INTO the mortgage, so in your example above, the total loan balance would be around $70,000. 

These factors make the city a honeypot for investors looking to strike a balance between cash flow and appreciation potential, and positions Huntsville as a good option for either medium-term or long-term rentals.

However, availability remains tight, with a record-low vacancy rate of 4.5%.Retail move-ins reached 86.3 million square feet, while move-outs balanced the market at 86 million square feet.

., parts of the Midwest or Southeast) offer higher yields but lower appreciation.A strategy could be to diversify: Sell your high-appreciation property in LA, then invest in a few smaller, higher cash-flow properties in secondary markets to balance both cash flow and growth.If you'd like help analyzing financing options or structuring a 1031 exchange for a new property, I’d be happy to assist!