It may be able to be removed but it also may require substantial framing to keep the integrity of the structure.

I would leave it alone, or just make early payments till the principal payment is substantial bigger than the interest payment (like 80/20 ratio) and then let it ride.If you refinance (which you can do at any time), what would you do with the cash flow?

Our net worth and passive income has grown substantially through real estate investing, so your thinking is on the right track.   

Like anything else, property values and rental rates can vary substantially, depending on what area you are talking about. 

Following the rules will allow you to exclude a portion or all of the gain after a certain period.If you are not interested in taking the time to do the investments yourself and following all the rules - you can invest in with a syndicator whose fund is set up as a qualified opportunity fund. 

Putting that much in upwards of 60-70% which includes the loan will diminish the return substantially especially if your interest rate is sub 7-8%.

If anyone is interested in taking a look the spreadsheet is here: https://docs.google.com/spreadsheets/d/1XGAQdAPn-D..., feel free to copy it to excel and sort/filter to help find what is most useful to you.

If you're marking up the property substantially a double close using short term transactional financing might be more private.

It's not my intention to steer you away however I feel like you could grow a substantial amount of savings and use this opportunity to your advantage.

If this was a 50k house and you wanted to pay 50k and the seller wanted 60k that’s a fairly substantial gap.