Purpose & Use DSCR (Debt Service Coverage Ratio): Used by lenders to assess whether a property generates enough income to cover its debt payments (principal and interest).

Principal, interest, insurance, and taxes.

Having the bathroom in the master suite makes both of these things possible so I don't think it's a drawback if you don't also have a tub in another bathroom.

The leftover stays and reduces the principal balance.

So long as you plan to hold the asset for the next 5-7 years, the historical appreciation/principal paydown should be enough to cover costs of sale, should you need to exit.

However, you must declare it as your principal residence, live there for at least a year, and disclose rental income on your tax return.

Imagine your tenants paying 100% towards the principal owed for 5 years. 

I don't think you should pay it off, but you should be paying down the principal every month at scale, which you are probably doing if you planned on paying it off in 4 years.

We cover all the ins and outs and detail out the risks associated with lending so you can make better decisions about how to proceed and protect your principal investment! 

Depending on the program, pre payment penalty may get triggered if you make additional principal payments within the PPP time period.