Do you have W-2 Income, 20% down, reserves, and a decent credit score?

They also have the Mortgage Tax Credit.

You get to take depreciation on an appreciating asset, you can even get tax credits for various projects and actions which depending the level your at equals a pay-day. 

@Jonathan Small government actions have led to an unprecedented 40% increase in the money supply, 50-year record inflation, record increase in interest rates, bank failures, credit tightening, CRE recession, housing affordability issues, mobility issues, inventory issues, and massive impacts to the world economies, every investment class, and our families, kids, and friends like never before. 

If you know how to make rates of return higher than that, I would say it is better to invest the money than pay down your mortgage early.If you don't know how to do that, then either pay down your mortgage or learn how to improve your investment returns.

Purchase price: $2,800,000 Cash invested: $560,000 The property is a three-story multi-family residential building with six independent units, initially facing significant challenges due to poor conditions.Renovation Investment Summary:- **Structural Repairs:** $250,000- **Kitchen Modernization:** $100,000- **Bathroom Updates:** $50,000- **Exterior Improvements:** $100,000- **Holding Costs:** $50,000- **Property Taxes:** $30,000- **Insurance Costs:** $10,000- **Management Services:** $10,000

In my shoes, it would be hard to credit a client for a decision that could have saved you $10k+ in damages, especially when it wasn't something that went to our firm (like management fees or an in-house maintenance contractor).

The only example I can think of is that I asked an applicant questions about their credit report.

@Dominic Holt , I am happy to review your scenario and suggest changes that could improve your property.

Tapping into that equity through a HELOC or cash-out refinance and reinvesting in higher-performing assets could improve their ROI significantly.