I started out with value add, where we force appreciated properties by adding square footage and beds/baths.

.• Primary residence: A 2-bed, 2.5-bath townhouse purchased in 2020 with a 2.75% interest rate.

The issue I have seen with these types of properties is they could have two valuations - the value of the real estate which the structures will have little value and you have the land the other is as an operating business just like a bed and breakfast would have - real estate has value but it operates a business now you mention 12k / month but if someone also has to manage the property what is that worth and what would someone pay to manage a property like this?

I would rather have people toss garbage in a trash can than leave it laying around or kicking it under the bed.

I just purchased a SFR 3 bed-1 bath and I would love to talk to you about it.

Home was nice 4 Bed 3Bth under $550K with a decent size lot/yard and it only required 5% down as a New primary.Now I am not sure how big of a home you need but as you can see $100K covers much more in a scenario like that one above. 

Other than that, it plays no role and has no relevance to the mortgage acceleration scenario.I'm going to bed. 

Each unit is 2 bed 1.5 bath.

Out of bed before 5 am - (I had a separate habitat for starting the day right but then slowly started pushing my time of getting up back2. 

Quote from @Sidra Amir: There was no complain of bed bugs before.