I think paying off your primary makes sense if you are close to retirement, but not if you’re young, and not if you have a sub 6% interest-rate. 

I hooked up with Zeker through Rent to Retirement, the turn-key company I used to find my rental.Deborah

I've heard of people retiring on real estate.

I'm about ready to retire so I'm not looking to compete in a bidding war, mainly looking for a fair deal that I can rehab or a turnkey with some cash flow. 

So if you have $150,000 to invest you can make $9,000 annually.Most people will never retire from owning Real Estate unless they substantially cut their cost of living. 

You may have to sell the whole property to access the funds in the IRA or 401k when you retire and for required minimum distributions. 

I have approx $10m in retirement accounts.

Its interest income - unless you wanted to run it through a C corp but then you pay corp tax first.Other option is to use a deferred retirement account. 

Buying a home is the bay area retirement planYes, there are a lot details and differences for everyone's particular situation.

Thinking of either making it a 4 -7 plex catering toward seniors who retire to the area, want the walkability of a nice DT area, golf, outdoors etc and need a summer home up north close to hospital systems etc.