Plus reducing capital gains 

You could negotiate with the seller to provide a credit towards your closing costs or reduce the purchase price.

If it takes them three hours to clean, they've earned $50 an hour.

Interest Rates and Mortgage RatesImpact on Buyers: Higher interest rates can make borrowing more expensive, reducing the pool of potential homebuyers.

Will it reduce my cost of living when compared to renting?

This reduces the amount of upfront capital you need.2. 

Help them reduce risk? 

They may sell at a reduced price compared to a homeowner who has taken care of and loved their property.None of these repair issues are a deal-breaker by themselves.

The property tax increases, 17% recently on the Indy suburb house have reduced my cash flow. 

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?