The lender may call the loan and want you to pay the remaining balance.

The dumbest thing I’ve ever done was paying off my first two rentals and trying to pay off my primary.

They could easily pay 50% two weeks early, then pay the other 50% on the first so they are always on time.

I don't even mind paying ridiculous interest rates as I understand this is a big ask.

I would for sure keep the association, some associations have an overlay that you have to be paying into NAR as well.

Quote from @Robert B Azimi: A restaurant that’s doing great business feels he shouldn’t pay the rent on time for the last 4 months every month we had to post 3 day notice to pay  rent or quit on his front door for him to deign to pay his rent What legal action we could take to make him understand he is not the landlord we are he must pay his rent on time?

Why not just sell it and get a cheap car, pay cash?

to pay my sister who would then gift me the down payment via check or wire transfer.

If it's a strong return, then it may be worth paying off and keeping.3.

If you are determined to pay one off, then pay off the lowest balance first.