If I pay it off, I could maximize cash flow earlier, reducing financial stress and allowing me to focus on other ventures or simply enjoy life more.On the other hand, I know some people advocate for keeping cheap debt and using the extra cash to invest elsewhere for potentially higher returns.Why I’m leaning toward paying it off:Security: No debt = peace of mind.Financial freedom earlier: A fully paid-off rental would give me a significant monthly cash flow?

Without going into too many details about the property, I'm interested in connecting with people who deal with off market listings and investors in this geographic area. 

Plus, I’m not a “people person” and I know my weaknesses. 

That’s why I try so hard to explain to people I meet every day the benefits.

People have been dropped by insurance companies in wildfire areas and had to scramble to try to find insurance - some using California Fair Plan. 

Buy and Hold investing is a great avenue to begin with as most people live their lives off of residual income. 

Wholly agree, we're trying to help people.

Hi Michael,I agree with Bruce that rephrasing other people’s content can be risky, as it could potentially lead to plagiarism issues, and it doesn’t establish your business as an authority in the field.

Hopefully the permitting people are nice and will offer some guidance.  

While I help people find their dream homes daily, my true passion lies in real estate investing and building long-term wealth.