I definitely would not touch the 3.75% personal mortgage and hold that forever. 

Also, are you looking to work with investors or more so consumers?

Most Realtors that list a rental/multi family property list them like they were a single-family residence and try to price them like their someone’s forever home.

Because usually delinquent buyers will take forever, if at all, to sign such a release form. 

It's very expensive and time consuming to develop raw land. 

Boosting consumer spending is literally rowing in the opposite direction.

Skip tracing LLCs in bulk can be time consuming, and Reonomy can pull lists of 1000s of whatever asset class and criteria you’re trying to call.

Tom Wheelwright’s WealthAbility is a full-on SCAM with shoddy ‘business practices’ that needs to be investigated for consumer fraud!

So if your debt (consumer or mortgage) is above an 8%, then feel free to pay it down to lock in that return.

I was a lender/banker that, after a long career on consumer mortgage and then commercial banking/lending, went to work for a community bank in Florida that was operating under a "memorandum of understanding" with regulators.