So many scammers in Cleveland over the years.

@Tom HallAt 7% if you can I would pay it down as investing it net after tax gains may not get you the 7% you are paying - so it’s less riskDownside is you lose liquidity of that money as it’s tied in your propertyIf rates come down in future you can refinance and even take some of the cash out.Regarding your question are rates coming down, a lot of factors come into play but right now it does not appear there will be significant changes to rates over next 3-6 months.

However, I haven't had a single application submitted for over two weeks.

Over 5 years ago, I used to marvel at the architecture of this building and told myself that I'd own it one day and reimagine it.

The properties were not PURCHASED below market value; work, renovations, and positioning over time (the next six months) increased the property value.  

It was about ~15minutes going over any questions that I have + going over general future steps.

Our fund includes a portfolio of over 15 companies that form the foundation behind the Notes.

Meaning you may be able to do some cosmetic or smaller renovations like bathrooms or kitchens in your duplex when the tenants turn over and those smaller investments can demand higher rents, so in the longterm you may have more cashflow from the duplex to help fund a future investment in another property while you wait for market conditions to change.

they're often much more expensive than they appear because they have deferred maintenance that has been adding up over decades. 

Hi John,Not sure where you are located but if in Austin, I too may USAF retired and probably could give you some pointers over coffee or lunch.