Question that the “believers” don’t ask is “how much could I earn on the extra money I’m spending to pay down the loan faster?  

My data shows around 300 new STR listings on Airbnb since 2022.

I think this is something many investors miss - which is many offerings now all have the data publicly available.

then theirs charges 1000s in extra fees. 

But you need to get the comps from the best data out there, the MLS.

There is no additional "risk" on the note like a demand clause etc, but you have  extra expense in upfront one time costs and the pre-payment penalty that most programs are sold with if rates do drop as expected in the future.  

I thought I was overcharged for my rehabs, especially because I didn’t have a solid process for oversight in place initially.I ended up having my property manager oversee the rehab projects, which helped but came at an extra cost—around 10% of the total rehab budget.

You can make more through co-living in most markets, but still likely to be better off house hacking 1 / year and then buy out of state with your extra cash.If you want to chat strategy with someone - feel free to PM me or reach out to contact info in my bio!

Quote from @Joseph Bushnell: I'm testing out the idea of building a data center and I was wondering if anybody has heard of owning the building and having a third party operate the data center itself.  

But if you want to use a conservative approach and use the extra cash flow to pay off debt versus further investing, I think that's a very legitimate way to go about it.