Being able to help someone who was going to walk away with nothing, and there was also lower cap ex.

The rents are on the lower side, but I am also not looking to raise them significantly as the best thing about these properties IMO are the very long-term tenants.When I do the math, I'd have a lower monthly payment and pay less interest over time even at that premium price versus a lower price and lower rates in the next year or so, but I likely wouldn't be able to sell any of the properties at that value for quite a while.Is there anything I should be thinking about that I am not?

While they tend to offer lower returns than stocks or real estate, they provide stability and consistent income.Another potential avenue is health savings accounts (HSAs), which offer a triple tax benefit—contributions are tax-deductible, earnings grow tax-free, and withdrawals are tax-free if used for qualified medical expenses.

Other options include refinancing if you can get a lower rate or bite the bullet until April.  

We actually put one in our lower level and while this is fine in the summer , in the winter in the northeast this is adjacent to a bathroom and the bathroom is then freezing. 

The fact that you replace it with a LOWER quality product now shouldn't lessen your payout. 

Here’s why you should consider investing in this growing market:Affordable LandFlorence offers affordable land compared to larger markets, allowing investors to secure property at lower prices with strong potential for appreciation as the area develops.High Demand for New HomesThe city’s growing population is driving demand for new construction.

So while the inventory is much lower (less properties to choose from for picky retail buyers), it's usually the best time for investors to negotiate a deal. 

(My payment ended up being LOWER still, going from 4.25% down to 3.25%).

I’ve also heard about the possibility of buying a new property with a lower down payment while keeping my first home as a rental.