When we prioritize integrity, we’re not just closing deals, we’re building a reputation that lasts.

Unlike traditional banks, which focus heavily on personal credit and income, portfolio lenders prioritize the cash flow of your property.

This aligns with the principle that you earn 10% of the value you create.Hedging Risk Through Long-Term StrategyJust as pension funds mitigate risk by diversifying and committing to long-term growth, this model spreads risk across various income streams and a timeline that prioritizes adaptability and stability.

However, if locking in lower rates and simplifying payments are prioritized, DSCR refinancing on both properties could be a better long-term play.What’s your next investment strategy—another rental or a flip?

I think you're thinking not prioritizing cash flow is synonymous with avoiding it-- it's not.A high earner is not prioritizing cash flow, that's fine.

Then without knowing your entire financial situation I’d probably prioritize getting that paid off over putting anything in a Roth or over and above an emergency fund in a HYSA. 

It is a simple rule of thumb to help you mentally filter through deals.

However, as @Chad Hale mentioned, only if you can afford it - meaning both financially and mentally (e.g. how stable are both of your jobs, how long will it take you or your husband to find a replacement job, how much you have in reserves, and whether you guys are in a position to withstand that mental stress, etc.)When you mention 8k monthly, I am assuming that's net profit?

I traded all my RE in for apartment complexes in Ohio and we have won every eviction over there due to the judges being tired of these mental midgets lying regarding Covid and not following the CDC standards on their end.  

I wear two hats in this conversation: as a licensed agent, I have a fiduciary duty to my clients to ensure their best interests are always prioritized.