Sorry but 13% beats 10% even with the perks. 

Beat (3) other offers the same day.

As a lender your credit is shot now, a BK would make it that much worse compared to trying to repair it, but sometimes a BK can repair it faster. 

Hi Scott, It sounds like a good opportunity to deploy the contingency fund for the issue with the roof that popped up.As tempting as it is to use that contingency money to pay down the loan faster I think that sticking with the original purpose of the funds and updating the roof is the best use of that capital for the following reasons:1.An updated roof adds value to the property.

We have discussed Sellers Financing with a 2-3 year balloon, i just don't like all the liability being on me and it not being though a bank and just a contract, if god forbid something happens to be at the end of the balloon ,then my family would be in a pickle they couldn't just sell the building to help with the financial burden, and would have no use for the building if I'm not there working.

So, if someone dies in a fire in a basement unit without proper egress, not only could your LLC's assets be at risk but also your personal assets because the LLC may not protect them in that case.

Repairs are faster, invoicing is easier, and everyone is happier!

That's hard to beat!

Stop beating yourself up and focus on moving forward. 

I don't care who you are, your butt WILL be at the watering hole at some point!