Vintage year is also very important, is this a c-class property (which it sounds like it is, maybe c-), B-class etc. 

Give the cost of money these days is around 7%, it would definitely be nice to have a paid off rental.7% cost of money sounds like a lot until you remember that it is actually the tenants that are paying it for you while your money is sitting in an index fund making 8%.

This sounds suspicious. 

sounds like you are on the right track - house hacking or BRRRR to jumpstart the journey is a pretty solid tried and true gameplan

Sounds about accurate.What you should be focusing on is hopefully you are getting a return(Cash-flow) from your rentals and you are not paying tax on that.This would be better in comparison, to other investments such as dividend or interest income.

Using your own funds to pay down your loan so you get a bigger loan sounds like a zero sum gain (aka IE using 1 dollar to pay down loan so you can net 1 more dollar from the new proposed loan) So how are you going to net more cash when spending 1 dollar to get another 1 dollar ?

Hey @Robbie Shiver, sounds like it is time to sell it.

Your first post sounds like a purchase, but this statement "The $20,000 was when I refinanced and did HARP with Wells Fargo twice." makes it sound like a refi.If it was a refi, was this $20K an existing debt of yours that was not caught and paid off on the refi? 

If diligent and patient investing strategies don’t sound fun, you can always just throw it all into bitcoin.

It sounds like most of your issues came to light during your due diligence.