Well you received reply's from the top heavy hitters in the passive game here on BP.choosing wisely is key as noted.. real estate debt can be a great spot for the busy professional.

This is spot on!

@Chris Mason is spot on as usual. 

Spot him $10,000 and do a Texas off list tax sale for land, not a house.  

@Greg Kasmer spot on about using other paid off properties on the loan. 

There's a lot of ways, just need to look at your overall financial picture and where your money is going and focus on the trouble spots.

Downtown is a good landing spot for wedding parties, corporate groups, families during the holidays, events, etc.

Everything he teaches about personal finances (budgeting, car loans, credit cards, etc.) is spot on.

exactly Chris Clothier made a good point on another thread where his opinion is any cash flow first should go into reserves once reserves is in a good spot the remaining cash flow should go to principal paydown.. 

Wet spot.