That works in most markets but the results are compounded by appreciation.Development and infill are also options.

Adding any late payments to that scenario will compound the hit to the credit report.  

You can balance that against assuming that the $110K you weren't spending could get 3% a year compounded over 30 years (just for the same of simplicity) so you have something to compare that against.  

With a loan, you don't have to pay taxes on it since you're borrowing the funds.In either case, pulling your money out would reduce your long term compound effect of being in the stock market tax free until you retire.

You can really lose your a$% in real estate, and multi-family properties compound that potential.  

I instantly imagined myself controlling a horse on the carriage with 2 ropes.Rick seem to be connecting the dots from both perspectives of creditors and from perspective of investors who creditors typically deal with when it comes to investors paying off first position lien or second mortgage liens, and stating that there are multiple ways of transferring deal using 2 strategies ... either using strategy of finalizing transaction to go through the final stages of probate (during either of the 3 stages) or buying off the lien judgement, depending not the equity...The probate concept of pre, open and closed state all have conditions that can be favorable or non favorable in relationship to you closing on the deal and getting it under contract.To be honest I am also a bit new to probate concept and tax liens and judgements and subject to types of acquisitions.All of this real estate Mumbo jumbo makes my head to be honest spin sideways.However, the multi dimensional factors and art of the deal from the standpoint of multiple variables and it’s inner dependencies indeed makes real estate investing quiet interesting endeavor to follow.As you dive deeper and deeper into variety of strategies... you gain compounded knowledge that in reality most certainly can be amazingly beneficial to folks who are interested in wanting to outgun their completion.In fact I would not be surprised at all with Rick stating that straddle play method of controlling the deals can outgun rehabbers using the power of negotiation.However... imagined if you can intersect the dots across multiple strategies and be able to rehab it... how cool would that be?

Another issue though, is over the years, the sump pump outlet was not being drained away from the house, and now the foundation is bowing.  

If I wait to be paid off, I put scaling off and that 1400 is great but I don't plan to spend it so it is not compounding if I am not reinvesting. 

My concern would be my fathers health, recent knee replacement compounded by obesity makes him slow getting around.

I don't plan on killing the entire Roth idea but I'm thinking it's a better option to acquire more property than it is to have this money slowly compound over 30 years.