It's just when you're far away, the problems that often plague D properties compounds on itself.

Compounding interest fully amortized in my favor

This is the same thing that makes traditional 401k and IRAs powerful because they defer taxes and let all those gains keep compounding for many many years.

Putting your money into an annuity will offer you triple compounding and will most likely double your money in 8 - 13 years.  

You should still be able to hit your goal debt free by using the power of the compounding cash flow. 

You have lots of moving parts here compounded with COVID-19 in FL.

Don't forget the basics of this and the power of compounding 8th wonder of the world.

As a new Landlord, you are still undergoing the learning curve and there are many challenges to managing rentals the last thing you want to do is to compound your headache.   

I am a professional firefighter and I can tell you that not only the fire itself can cause a great deal of damage, but the water used to put it out can compound the damage.

With all of the changes to this and affiliated industries of late, ie...Dodd-Frank Bill and Interagency Guidelines, underwriting standards have become ridiculous and the appraiser may be trying to bow out graciously.