Personally, I advocate for a long-term investment strategy and would recommend investing the funds, provided you are comfortable with the expected return on investment over time.

Looking to purchase in NV with current paystubs because income is a bit tight with returns.  

This means a deep dive into your Internal Rate of Return ((IRR). 

However, these programs typically qualifies borrowers based on their income, such as tax returns.The DSCR would be a good option considering you and your husband are entrepreneurs and the tax returns don't look good on paper.

As indicated, I never had that issue due to the infinite return.  

Hi @Scott Hertzog, I only started in my 30s, but it's never too late!

Would love to hear form some Multi-Family owners/operators in these markets about pros/cons and specifically neighborhoods to avoid.My wife and I have been to Columbia SC many times and, while we have never been to Little Rock Arkansas, we plan on going in Late March! 

.- Stock market opportunity cost: If the brokerage account has strong holdings, consider if the return potential justifies cashing out now.Given the current market dynamics and your goals, reallocating your brokerage funds into a multifamily property in Rochester could provide substantial benefits.

If you have no desire to actively pursue other investments where you make more than a 2.8% return, then by all means pay it off faster.TYFYS and best of luck!

On paper, that's a 88% return before depreciation (can't depreciate land, but you can do a cost seg on the septic and other improvements), appreciation, etc.