Before throwing in the towel, exhaust every possible solution.

Labor is also cheap here. 

This doesn't come cheap--these folks were making high six to seven figures depending on volume.We focused on lending to professional real estate investors--so our customers were frequent repeat borrowers. 

One or the other I'd say....And IMHO, electric fireplaces look cheap, even the expensive ones.....

If I pay it off, I could maximize cash flow earlier, reducing financial stress and allowing me to focus on other ventures or simply enjoy life more.On the other hand, I know some people advocate for keeping cheap debt and using the extra cash to invest elsewhere for potentially higher returns.Why I’m leaning toward paying it off:Security: No debt = peace of mind.Financial freedom earlier: A fully paid-off rental would give me a significant monthly cash flow?

The heating system, while straightforward, wasn't cheap for my 3 unit and will have a longer payback period. 

Quote from @Michael Smythe: @Alba Cheung wow, you went the cheap route and hire cheap attorneys.Now that they are useless, you want to ask us for free advice?

Your goal is to build a passive real estate portfolio (we can discuss what passive means to you), so while I don't condone throwing $100k into a deal without even a basic understanding, alternatively doing so will teach you far more lessons than reading a book will.  

You can throw that $550k into an annuity (or similar) and get a decent (and very safe) return.

Just remember that wholesaling is much tougher than all the gurus make it seem to be, but not impossible at all if you create the right systems and understand, when you are new, that you are solving problems, not throwing cash.