Hello @Royale Harris I invest in the SE.

I always thought the best thing to do was have the tenants pay the loan off but mathematically if I pay it off now I would be in the black almost $60k/yr give or take which seems like a good idea and then I could pay off the personal loan in ~4-5 years as there's no rush per se I just hate the idea of this varied loan which could crush me if it hits that 6%+ mark and it requires a minimum for my stock balance or there's a maintenance call.

I don't know if I would call SE CT a "tough" market.

Does a lender need to "deal" in loans to be subject to SE tax? 

I've seen debtors file pro se petitions and the courts bend over backwards for them.

What do you need the SE for? 

In one where the Debtor is pro se, the trustee already filed a Motion to Dismiss.

I have been reading on how to pro Se circuit court  and it seems very complicated.  

So there's no cash flow per se. 

I live outside of Dallas and have a rental property in SE Louisiana.