Here is one thing you can do if you honestly do question that situation. 

This is an important point and I have been in similar situations when we have moved into new counties (I am a PM so manage in about 8 different counties). 

Everyone’s situation is different, probably every year. 

It just so happens that a situation came up with family to do a private loan that will work for me at this time so I've paused working with Sal at the moment. 

Usually when I am in these situations Its me holding the money..

Sadly, the biggest thing is stressing that it's not section 8 housing as that seems to be the boogeyman for any homeowner.

1 very common thing in Memphis is that almost ALL property is listed too high for numbers to make sense.. and if its listed at numbers that work, then it creates a multiple offer situation and investors end up paying more than they need to.

Stanley - I would suggest that you go have 3-5 conversations with lenders and understand how much they are willing to lend to you given your financial situation.

Then without knowing your entire financial situation I’d probably prioritize getting that paid off over putting anything in a Roth or over and above an emergency fund in a HYSA. 

You will want to talk to a CPA to see which hours count and which hours don't as there is a lot of gray area with your situation.