Also, my brokerage has a handful of investor clients that actively run MTRs and STRs in the area. 

This doesn't necessarily mean just an investor, but somebody who active works in the space and puts in at least 700 hours of work into it per year. 

I joke that he's the unofficial Mayor of Springfield based on all of the social and charitable activities that he does there.

A broker shall not be responsible for supervising, nor shall the licensee be responsible for operating, within the scope of the brokerage or within the requirements of this chapter, activities that would be considered property management, including leasing, maintenance, and repair, so long as the real estate being managed is "individually owned" or "entity-owned" as defined below:(1) "individually owned" real estate is real property in which the licensee holds an ownership interest; and(2) "entity-owned" real estate is real property owned by a corporation, limited liability company, partnership, or trust, within which entity the licensee holds an ownership interest as an owner, trustee, partner, or officer, or in another beneficiary capacity.

Also credit score 680 with no missed payments over the last 2 years and also check their criminal report just to make sure you know who these tenants are, as the eviction process in New York city is very long and expensive. 

If you have no desire to actively pursue other investments where you make more than a 2.8% return, then by all means pay it off faster.TYFYS and best of luck!

There are likely active real estate investing groups for Tacoma and the surrounding area.

But choosing a head not to be on one or two may turn out to be the one that gives you activity

Income from leveraged real estate or active business income.

And I rescued another small group that thought it was OK to buy these with NO equity or negative equity like we see people doing today they did about 35 of them .. then sold on lease options and those started defaulting left and right and you had a big mess.. they went broke and were lucky to not get criminally charged as the sellers of these got thier credit destroyed.