The downside is if it gets damaged you have to replace the whole sheet.

Using your own funds to pay down your loan so you get a bigger loan sounds like a zero sum gain (aka IE using 1 dollar to pay down loan so you can net 1 more dollar from the new proposed loan) So how are you going to net more cash when spending 1 dollar to get another 1 dollar ?

@Nold R.In addition to the great post from Dave, possibly consider an option where the property is taken out of the LLC sooner rather than later and held as tenants-in-common prior to the sale, possibly setting you up in a position to take your share of the proceeds and individually purchase a replacement property via 1031 exchange. 

Hey @Robbie Shiver, sounds like it is time to sell it.

If diligent and patient investing strategies don’t sound fun, you can always just throw it all into bitcoin.

Where an exchanger will purchase multiple replacements. 

Your first post sounds like a purchase, but this statement "The $20,000 was when I refinanced and did HARP with Wells Fargo twice." makes it sound like a refi.If it was a refi, was this $20K an existing debt of yours that was not caught and paid off on the refi? 

It sounds like you've kind of resigned to the DST route. 

Bottom line, if it sounds too good to be true, it probably is.

I had a intro call with them on Friday and their business model sounds amazing, but maybe too amazing.