I recommend that you talk to a licensed debt collection company or a law firm on collection action.

Trade cards and follow up with everyone you meet. 

We own 7 properties that we will start developing in 2025.We are currently remodeling my wife’s two-story home, turning that into two rentals.A developer contacted us and is using our largest plot to build a four-story condo building trading one condo for the opportunity.We drive and live in an 18 wheeler debt-free saving up capital for the next opportunity. 

Current Debt?

In other words are the reasons for paying off debt early financial or emotional?   

I also want to payoff the property to reduce my debt liability and make it easier for my family to deal with should anything ever happen to me.Are there any negatives to paying off the SBA-HEDCO property loan now?

The other technique Ken is talking about is doing a wrap or in CA you have a really cool debt instrument called a All inclusive Deed of trust..

I considered syndications which invest in car washes, self storage, multi-units and real estate debt funds but to be more passive but I've heard mixed reviews about syndications. 

The covered parking area and patios should have adequate drainage to prevent water accumulation and potential damage.Investment ForecastPurchase Price: $849,900Total NOI over 10 years: $308,782.13Year 10 Value: $1,256,336 (based on a conservative 4% appreciation rate)Annualized return: 6.30%ConclusionWhile this property is poised for appreciation, sustaining it over several years for substantial returns would require substantial financial resources due to high debt servicing costs and negative annual Cash on Cash (CoC) returns.

I accumulated about 50k in bills/expenses on cards during that time  and another 50k doing renovation on both rental property and my primary residence.