Tying up a distressed sellers property then not producing any results for them can lead to the property being foreclosed on and the seller being seriously hurt financially. 

Is having debt not reported on credit is your priority?

Without knowing your age, I like the idea of pushing additional savings into good, no load index funds (I like Vanguard's S&P index but there are plenty of others) through a Roth if you're young enough, leave the rental portfolio as is and pay the debt down to nothing, since you're not inclined to really work at growing that end of it. 

Plus, the relationship-based nature of private lending can lead to more long-term, win-win partnerships.Banks definitely have their place for more traditional loans, but for many investors, the convenience of private lending outweighs the higher rates—especially when time is money!

"If the borrower(s) provides written evidence that the student loan debt will be deferred at least 12 months beyond the date of closing, a monthly payment does not need to be considered.

Purchase price: $925,000 Cash invested: $200,000 13 Unit Multifamily property in the Waveland neighborhood of Des Moines, Iowa. pre-acquisition: 7% under MR and 15% vacancy/bad debt.

However, it's nicer as you don't have to deal with lead certification laws that are all wonky and poorly enforced.

Yes, you need to rank #1, but that’s not “lead generation.”It’s like asking, "Is it hard to make an airplane fly?"

On top of that - you're simply creating a new job for yourself when it comes to rehabbing, managing, generating leads, analyzing deals, making offers etc - so now you have to scale and outsource responsibility.

While I've been able to get out of my W2 after acquiring 30 properties, I've learned that you still need to generate some sort of active income unless most of your doors are completely debt free.