What's your specific pain point with the offer?

Whether rates drop soon or remain elevated, timing the market correctly can be the key to securing profitable deals.For those waiting on rate relief, now is the time to identify opportunities before competition increases.

If your interest payment is $8,125Your stocks have to make a dividiend of about $11,000 of which you would prolly pay 15% to 25% in federal / state taxes / NIIT.Assuming you will make a 10%-11% return is not guaranteed.You will also feel good about having a paid off property(relief).Furthermore, your credit score may go up with a paid off property.Best of luck!

I would have set aside much more if i knew what a pain that would be.

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$40,000 x 25%(assuming a 25% interest rate on credit cards) = $10,000This is more than the annual cash-flow that you are getting from the rental.I would look at a way to paying off the credit card debt asap.Look to see if you can take a HELOC on the investment property(likely difficult).If you can't you may want to consider selling the proprety.You will also feel a lot of relief of not having credit card debt hanging over you.What is the interest rate on the car loan?

It’s a huge relief knowing someone trustworthy is on the ground, keeping everything running smoothly. 

This would be federal relief.  

I currently use Wells Fargo and it’s a pain in the butt to keep going there in person and setting up a security deposit account.

Each unit is on individual wall/window units and I know from experience those can be a pain to deal with too.