So, when we chat about different Neighborhoods and properties, we're on the same page.References are nice, but why would they not screen the references first, making them useless?

I would focus on credit, consider some alternative options to "free your Benjamins" out of your home, or even consider doing a partial sale of your home to give you capital to get back at it!

With 7 properties paid off you can earn 100,000 a year tax free.

Quote from @John Clevenger: Hey all, as more of the world is taking on AI especially in the wake of chat GPT, I'm curious what other are doing, or thinking would be cool to do in the real estate field with the integration of AI. 

Communication is key and transparency is something call centers do not offer.If you ever have any questions or want to network feel free to reach out or send me an email.

But if those payments feel like dead weight, Dave Ramsey’s “debt-free” mindset could be worth revisiting.Here’s a quick story to illustrate.

Feel free to reach out with your scenario details.

But also with low debt or free and clear property that they can easily access any time in the future with a cash out refinance.

The reason I am trying to free up this property is I would like to have an adu built on it eventually.

I assume a higher upfront cost as far as land purchase and the actual build but you would have a brand new house, instant equity and hopefully maintenance free for quite a while.