I wanted to connect with any folks with connections in the Prescott area!

If you have no desire to actively pursue other investments where you make more than a 2.8% return, then by all means pay it off faster.TYFYS and best of luck!

Pay cash.  

@Jordyn Ohs Assuming your heloc is re-advanceable and the rate is higher than your mortgage, I would suggest you pay your HELOC down as quickly as possible with any cash flow from the properties.

You’re paying $70k in “non-deductible” interest in exchange for less deductible interest. 

Out of curiosity would anyone be willing to share any experience with non-paying renters who've vacated the property prematurely?

Let's say they pay you $2000/ month * 12 = $24,000/year.

So now we cover utilities for both units and the new tenant pays a higher amount too on the back unit to cover all the utilities with a great profit.  

You don’t have to pay $20k+ to learn to broker loans. 

If you put the house in her name and you have siblings or other folks who would have a claim as a direct heir on her estate, you run the risk of losing the property to another heir.