Even if you screwed up 1/2 half of the liens you bought you would still be way ahead of paying them.

Austin has been a high growth city and likely is six to 12 months ahead in the business cycle as many smaller cities.Of those Three, San Antonio provides you the same legal backdrop (Tx) and also geographical access (same day drive) and accelerating immigrant population growth (GDP growth requires much more immigration both red/blue agree on this in private)

You’re in an enviable position having valuable of time ahead of you.

Yes, you might get higher rents, but will you net significantly ahead? 

If you invested in stocks and got a 6.625% gain, you would be AHEAD a LITTLE because you would have MORE mortgage interest deductions to take because you DIDN'T pay it down.

A lender should be able to get you a estimate on monthly payment so you can plan ahead

Now, I have not run out of money yet....I am just trying to get ahead of this before this does happen. 

My advice is to hang in there for a few months until after the back-to-school rush hits.

Currently, I am not in a massive rush to get a loan on this property, but I would jump on it if interest rate were low.

At the end of the day the goal should be to make enough to give you an optimum lifestyle but not go overboard and cause yourself more work/hassle if you don't actually need the additional income that comes from it.Increasing the quality of the area/properties should make it easier management wise and if you don't necessarily need the cash flow now could end up ahead in overall return compared to the lower end areas, especially if you use leverage.I think it depends on your source of active income as well and how long you want to continue doing that for.