I'd also consider ways you can maximize your cash flow.  

@Kristin Boekhoff to add to the great input from @Jason Taken:1) To save money, you really want to clean as little as possible.

just to save on my own mortgage How did you find this deal and how did you negotiate it?

most bankers are standoffish ;-)yes, the HML/PML will be higher cost, but my concern for you is the banker knows he can't do your deal, but will string you along for a while, ask for additional information that takes you time (and maybe cost) to put together and he ends up either ghosting you or taking 6 months to tell you no.I could be wrong and you may be dealing with a "unicorn" banker, but I believe a HML/PML that knows construction in your market will be easier to work with, actually close your deal, and end up "saving" you money in the long-term...just my 3 cents - even inflation has increased this!

If you wait until 70, you can maximize your benefits. 

Save these for future use somewhere else.) 

They also provide guidance on entity selection, tax strategies, and long-term planning, which can save you money and trouble in the long run.

While it's not absolutely indispensable and many have been successful without, you'll maximize your chances of success.On another note, @Sebastian Papworth is right about the fact that many more tourists than usual are visiting Europe this summer.

Quote from @Dylan Jeluso: This questions is the same question as getting your real estate license when doing flips, you have access to the MLS, you save money on the commission, and you have a little bit of a competitive advantage over the next person that is not licensed.

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