A lot of expert level investors end up going that way at some point (retirement age, bored of flipping, tired of managing rentals, etc.). 

Also the stairs could be a deal breaker if you are in a retirement community your intended renter is a senior. 

Paying down both will accelerate pay off for both to be in line for my retirement timing.

My goal is to ensure a positive and stable rental experience for both parties, especially in Colorado's evolving rental market.

You don't need 50+ properties to retire early, if you invest smartly. 

Some background I am retired and sold down some of my highly appreciated rental business assets in early 2024 and I will have around 1/2 Mill Capital gains for 2024 taxes.

Though I'm not trying to assume a relative's property, here's what I'm finding from most searches I have been conducting:"Edward2 months agoI am looking at assuming the VA loan on my parents property in FL with the intent to someday retire there.

I have 10-15 years till retirement so want to grow now and will focus on cash flow at that time.

In addition, some people plan to retire back at a base they were stationed at sometime in their career. 

The real estate is leveraged 50%, so the total 'inflation protection' covers 100% of the total portfolio.The notes are held in my tax deferred retirement accounts, so current income is not taxed until withdrawls begin at 70 1/2 years old.