5-year prepay often has the sharpest pricing, but, 3-years can often be a nominal trade off or happy medium.

But since you asked I have hired multiple skilled trades and as a union worker I work hand in hand with them everyday of my life.

I've done Crypto, stocks, businesses, ecommerce, trading bots, ponzi schemes etc. 

Also  American association of private lenders is one trade group,Thanks for the response, Chris.

The money is a consequence of a job well done.

My basic assumption is I would be trading a certain level of cash flow for increased appreciation over a period of 10 years.

The worst part is that it's usually way too easy to get your license, and the consequences for these sleazy agents are usually non-existent or not harsh enough. 

@Eric JonesPerhaps a poor choice of words ... it's a consequence of being illiterate in two languages ;-)Through changing (hopefully lowering) the principal balance several times over the course of a period, you are changing the amount of interest accrued (or balance of interest owned/due if you prefer).We are on the same page here ... just some language differences.

@Brett Jurgens,With strong equity and a good tenant, you have a few options:Cash-Out Refinance: Offers lower, fixed rates for stable monthly payments and lets you keep the property while using equity to invest in another rental.HELOC: Provides flexible access to cash, though with typically higher, variable rates that can fluctuate over time.1031 Exchange: If you're open to selling, a 1031 exchange could defer taxes and allow you to trade up to a higher-value property or diversify into a different market.Each option has pros, so it really depends on whether you want to hold onto the current property or leverage its value for something new.

Can you PM me and we can trade contact info?