Playing around with my Excel spreadsheet and got to thinking about selling my rental property in the next few months vs waiting until it's paid off in Jun 2027. 

I would say you need to play to your strengths, whatever those might be.

And that is really saying something because I invested a tremendous amount of myself and time into my small business and learning to play guitar and my personal recovery and growth as a person.

.: I always play it by ear.

This specific tenant disregards quiet hours and continues to play their music loud.

If you want to play a passive role, a real estate syndication or debt fund could be a great way to go.

You're not in the position to be a cash buyer...as a former wealth manager, it's simply not a good play for you for many of the reasons stated above and more.  

Step up in basis to reduce your heirs' taxes and morePlus the real estate tax "deferral" can end up being permanent if played correctly

I highly recommend you play with that tool to start getting an understanding of what things you can do to positively affect your credit! 

Working with a great broker can also help as they will know how best to represent your interests and play the game.