Be warned - getting a short term rental to market is expensive, stressful, and exhausting.

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?

Amen to this, thank you for the suggestion.Yea I've taken on the risk of not having a day job and building a business, it's pretty stressful and you're building out of necessity instead of passion.

A wealthy individual, a group of wealthy individuals, or a hedge fund is lending money, private money to strangers for the purposes of buying distressed, fixing the asset up, and either exiting through sale or refi.Just keep in mind t he relationship between maturity and interest rate. 

The process has been difficult and stressful and we almost gave up a few times. 

Quote from @Huong T Nguyen: Quote from @Mike Fisher: I would be happy to share my experience with Delta Build with two words.

Transparency is key—being honest will help you avoid unnecessary stress and ensure peace of mind.

These individuals have often walked the same path you’re on and can provide insights that save you time, money, and stress.

@Nichole StohlerI find using a SDIRA to be a great tool for passive investments and growing your retirement with less stress than the stock market roller coaster. 

Simplicity: TDAs require minimal effort after initial setup, making them attractive for those seeking stress-free investment.For investors like myself, seeking both stability and growth, combining a TDA with real estate investments creates a diversified portfolio.