That's your "E-Z Button", you need a good PM so tap-out and get one STAT. 

I've consulted a few times over the years with planners and with the way I buy properties, my liquidity requirements, and my concerns about about how government overspending affects the future, makes me a poor candidate for IRAs and 401(k)s with the stifling regulations.   

Quote from @Devin James: The E-Myth is a classic!

The last two provide the added benefit of providing you access to liquid cash. 

If Caleb doesn’t respond you might want to check out this thread https://www.biggerpockets.com/forums/51/topics/816680-real-e... 

Explore my personal favorites, Set For Life by Scott Trench or The Total Money Makeover by Dave Ramsey, for invaluable financial insights.3.

@Tom HallAt 7% if you can I would pay it down as investing it net after tax gains may not get you the 7% you are paying - so it’s less riskDownside is you lose liquidity of that money as it’s tied in your propertyIf rates come down in future you can refinance and even take some of the cash out.Regarding your question are rates coming down, a lot of factors come into play but right now it does not appear there will be significant changes to rates over next 3-6 months.

My personal favorite that I've used is Designer in a Binder.

My personally favorite spot so far is Ko Olina but I'm open minded.

These systems are becoming more sophisticated and (my favorite) capable, leading to improved user experiences and potentially freeing up human employees to handle more complex tasks and interactions.