I would be about 160 dollars in debt again, the old house is 38k from getting paid off.

I think there's definitely a better return not paying mortgages off, but it's also nice to be free of debt.

Debt-  we paid down all personal debt and some REI debt.  

So unless your high volume trader in real estate and real estate debt the chances of this happening to you is as I said like the same chance of getting hit by lightning or being killed in a commercial plane crash. 

Maybe in the 40+ staff range Im guessing.The interest rates on the debt deals I have done have been higher than most of their peers.

Working our on capital stack for a large multifamily development and needing some different options with private debt/equity.

 - the debt will impact any other loan.  

You can do a HELOC on rental properties with some lenders to access the cash, but you’re essentially taking more debt out on them.

This is a big contrast from CRE dscr calcs that typically include all this and is calculated NOI/Debt Service. 

This but taking it a step extra: If you own a business in an S corp, having a C corp as a management company to do solo 401k and hold cash for any retained earnings needs can be a perfect addition to those who have SBA debt and want to pay it off quickly.