If you've owned for at least that, you're good.If you do a rate/term refinance, where just the hard money balance is paid off, rates will be much better.

All done paid $9,500 out right and to this day live in one side of the duplex and rent the other.

Nice to meet you (electronically).Currently renting a single-family home in a very expensive coastal Southern California city.

Or could I 3 properties flow into one account and pay all expenses from there.  

.: I just added up all my interest paid in 2024.

Seems there wouldn't be that much equity to be paid out after closing costs.Thanks for the insight!

I paid thousands for flyers and park bench signs before and did not get a single lead from it was huge waste but was kind of cool seeing myself on a bench lol 

I don't see a scenario that you'd be paying their agent - There are 4 ways your buyer's agent gets paid (at least here in TX):  1.

You can use this property to hedge any others that you add that may only cover themselves, or require supplement until they are paid off.HOWEVER, if you have decided that your goal is to use Real Estate as a stepping stone to build wealth by upgrading the property you hold each time (condo to house, house to 4-plex, 4-plex to 8 unit, etc) then I think you are right to sell now while you think the property is at the top of it's appreciation.It will be hard for anyone on BP to tell you what to do as we don't know your goal.You are right. 

@Casey Ram older homes generally have more expensive insurance.