Instead of paying down a little principal for a little time, pay down a lot of principal and refinance to a loan that allows a lot of time.

Its the closest thing to free money there has ever been in our history.On 390k and 3%, your principal paydown is probably 700 to 800 a month. 

With higher price points, you have bigger principal buy down.4.

I'll assume no principal pay down and simplify by assuming the next property will also cost $400,000.

Hi Samuel,When considering how to pay off a loan faster, both methods you've mentioned—making a large principal payment at the end of each year versus bi-weekly payments—can be effective, but they operate differently.Large Principal Payments: Making a large payment once a year can significantly reduce your principal, leading to lower interest costs over the life of the loan.

Not sure what the difference would be $ wise  but reducing your principal biweekly vs at the end of the year would reduce your interest expense more than lump sum. 

Here's a https://www.irs.gov/businesses/cost-segregation-audit-technique-guide-chapter-4-principal-elements-of-a-quality-cost-segregation-study-and-report to the IRS website noting specific items that are included in the cost segregation study report.

Locking in such a low rate means more cash flow if you rent it out, even with your HOA and property management costs factored in.Let’s tackle this using your numbers:Current Rent: $2,950/monthAnnual Tax, Insurance, HOA: $7,000Mortgage (principal + interest): Roughly $20,832/yearWithout even factoring in maintenance or vacancy costs, you’re likely cash flow positive.

Principal paydown of about 2k a year. 

It's essentially (to my understanding) net selling agreement, between Principal (Investor) and Seller, to be Novated when third party/end buyer comes into picture.