In most cases, the rehab money is interest free until you actually draw the money and if you never actually draw the funds, you won't owe the money when you go to pay off the loan.

@Richard Bautista your gut is serving you well, saying something feels off here. 

He stated than an 80 year old woman will die off in 5 years TTD time till death.

If you want safety, pay off the property.

I advertise via Sabbatical Homes and Harvard Off-Campus Housing and insist my leases begin on Sep 1, Jan 1 or Jun 1 and end on Dec 31, May 31 or Aug 31. 

Especially the crypto and the Broadway revenue if any.  

Take the emotion out of it, and just base the two applications off of facts and your requirements. 

Talk to a CPA for advice based on your goals.Reinvestment: Instead of paying off properties quickly, reinvest your cash flow into more properties to grow your portfolio faster.Rent Increase: Look for opportunities to increase rents or add value to your current property to boost cash flow.Consider focusing on multi-family properties for better passive income.

I've got a possible off market deal.

I just bought it in the fall and am trying to complete a bunch of modifications during off-season (e.g. metal roof, certain safety features, treating the deck, possibly updating the fire pit area, etc).