My name is Abigail and I a nurse in Tyler and a newbie real estate investor!

Is that because you don't know what your Real Estate goal is?

I have been dabbling in real estate investing and we have a vacation rental property in Custer SD.

I’m a newly licensed real estate agent, but I haven’t chosen a brokerage to hang my license with yet.

But ya have to make some educated prognostications in life.Add this to the information your processing - What your talking about doing is eliminating around $4000 or interest expense (which is deductible anyway so really could be a real impact of eliminating $2800 or so) of debt in exchange for paying over $10K in capital gains tax (don't forget possible state gains tax as well).  

However, the tax treatment differs between short-term and long-term rentals:Short-Term Rentals (STRs): If you materially participate (work 100+ hours and more than anyone else on the property), you may be able to offset rental deductions against W-2 or other active income, offering greater tax benefits.Long-Term Rentals (LTRs): If your AGI exceeds $100K, your rental losses may be limited, unless you qualify as a Real Estate Professional (REPS).If you plan to expand your rental portfolio, consider an LLC later for liability protection and easier management.

Seriously—Pick a Property TypeDetached houses might be the easiest to work with, but the real key is committing to a property type.

I am new to the group, real estate investing in general, and trying to learn so that I can take my first step into real estate.

Quote from @Clint Miller: Seller financing opens up great opportunities for real estate investors, but coming up with the down payment can still be tricky. 

While I’m new to the business, I’m eager to learn, grow, and connect with local investors, landlords, and fellow real estate professionals.