If they get married it will help her earn SS benefits, etc etc. 

I helped around the house, helped them with getting around, running earnings and making dinners.

This is especially helpful since your goal is to replace your income and invest full-time.Market Timing: Bend, OR, has seen strong appreciation, but if you believe the market is peaking or stabilizing, now might be a strategic time to cash out.Cons:Losing the Low-Interest Loan: Your 3.1% rate is a huge advantage in today’s environment.

Yes the plan is to reposition the asset to earn the $40K.

These are top drive-to destinations for much of the Southeast, so short-term rentals here can generate solid cash flow, especially during peak seasons.The area is also seeing steady growth, with more infrastructure and amenities being added to support visitors and new residents.

For investors, would earning passive income through property cash flow (without actually owning the property) be appealing?

So, you are "earning" 5.16%/yr on your $73k investment, or have an 18 yr payback.  

But trust is earned and as I learn more (and remain open to pivoting to MTR and LTR), not sure in our specific case, the 30% is worth it (which is the going rate locally) and can be in the range of $30K+ per year.

I don’t have a loan on the property and hold it cash, but, if I sell it would lend the profits as hard money and earn 10%+. 

But let HIM earn it.