Several factors are changing in my life and I’m thinking of maybe paying down/off some loans but will have to weigh the difference between the prepayment penalty on the commercial ones.

I really don't think they'll ever break. 

These developments often need to deal with changes in ownership groups.

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If you ever read the side of a Heinz Ketchup bottle, it reads "Do a common thing, uncommonly well".

Quote from @John Underwood:He still to the day says this is the worse thing he has ever done in his life I was told many times growing up (and repeat hearing that voice as an adult).   

My career field has changed and I often think about whether it might be worth my while to get my license.

I've seen people get dropped from carriers  and claims denied because they did not disclose that the use of the home changed.

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There could also be a change to the HOA by-laws eliminating the right to lease and alternatively if too many units are tenant occupied it could impact the warrantability of the financing which would be problematic if you wanted to sell the unit.