Mom and pop shops don't thrive by aping every aspect of the way big businesses operate. 

I know some deals recently popped up there.  

I always encourge folks to just pop on Lendinghomes website they have a great pricing matrix you can check and those are about as good of HML rates as you can get.now to be fair HML rates have been hammered down.. with all the free flowing money.. but those great rates as you will see in the matrix are not fico driven they are experince driven or cash into the deal driven..

Unfortunately every significant rehab I have done has something that pops up. 

Instead of paying ahead on your mortgage (which would probably go toward principal as @Chris Szepessy said...not toward future mortgage payments), put it in an emergency account in case something pops up. 

You could take your time paying off the smaller loans, and if the market swings and foreclosures pop up, you still probably have a little side capital instead of having everything tied up by trying to pay off one monster loan.

Plenty should pop up here soon to weigh in.

Their choices appeal to today's buyers and make an otherwise bland floorplan - pop.2.

Might be too risky for my first investment, unless an off market deal pops up as a golden egg, as suggested by @Dan Bernstein.

Account Closed  Maybe Mike will pop on ..