What is your primary reason for wanting to pay off the mortgage? 

The Taxable Value is uncapped and equated to the SEV upon a sale or other transfer of property ownership, with limited exceptions.Homestead versus Non-Homestead Millage RatesCounties & cities in Michigan are allowed to set their own millage rates, with one restriction – a primary residence (Homestead) is exempt from up to 18 mills of school taxes on their Homestead property.

Things definitely change once you're married but if you don't have any kids and your wife is open to it you may want to try finding a duplex, triplex or quadplex to buy as a primary.

Like you a purchased my primary residence in 2017 as an estate sale and landed an amazing deal which still holds a large amount of equity.

But true my wealth primary have comes from something less glamorous: boring real estate.What's "boring"?

I would tell people today that if you buy a primary residence expect to stay in that home for atleast five years, especially with a FHA loan which has lower down payment as the current forecasts for home appreciation or very low which with closing costs on the buy and sell, it will take several years to have equity in the property and enough to be able to sell, so that is something also to consider.

My primary goal is to identify properties in high-demand neighborhoods, with a focus on value-add potential.

I have 880 credit score, decent savings, and no other debt except for 300K mortgage on my primary residence (worth $1.5 million).

I do not have a license now, I have in the past.The primary reason not to have a license in my experience is the resistance from sellers.

Quote from @Steven Diaz: Hello,Was going to start construction on a two story 3bd 3.5ba 1500sqft primary home and a 2bd 2.5ba 800sqft ADU.