If that leads to a more structured and education based meeting, then that is great - if it remains just a place to gather and bounce ideas and network, that's great too.

In C4D the mortgage remains untouched.

And the remaining income you have from not paying off, but recasting, goes towards 2nd rental property.3) On the second rental property, I would only buy with more down/intrinsic.

Short of selling my entire portfolio, the liquid capital for the down-payment remains unattainable. 

I saved up the down payment for a few months and have a few remaining as emergency funds.

I thought I was buying at top of the market in 2020...and 2022...but prices continue to remain high. 

But the question remains - what do we need to do with these empty retail spaces? 

I remain neutral on this issue as I am not involved and am not a litigator. 

It is about creating a balance between being open to new tenants and protecting your property interests diligently.By fostering a more secure leasing process, you can ensure that your properties remain profitable and that your relationships with genuine tenants are based on trust and reliability.

What I'm thinking is that you may be able to pay the remaining $44k HELOC balance based on your cashflow.