EDUCATE YOURSELF - yes, it will take time, but will lead to a selection that better meets your expectations & avoids potentially costly surprises!

Also, factor in potential interest rate changes if the HELOC isn’t fixed.

Hi Daniel,Refinancing out of a high-interest bridge loan can be challenging, but you have a few potential options based on your equity, tenant situation, and FICO score. 

As well as they expect free health care . 

Thirdly, financing and potentially selling later on could be challenging again with the part of the plan being on a campground. 

If I pay it off, I could maximize cash flow earlier, reducing financial stress and allowing me to focus on other ventures or simply enjoy life more.On the other hand, I know some people advocate for keeping cheap debt and using the extra cash to invest elsewhere for potentially higher returns.Why I’m leaning toward paying it off:Security: No debt = peace of mind.Financial freedom earlier: A fully paid-off rental would give me a significant monthly cash flow?

The properties are well located in Denver with value add potential and all rents are currently well below market. 

This allows for deferral of capital gains taxes until December 31, 2026, with potential reductions in the taxable amount if held long-term.

It was recently purchased in December 2024, which aligns with the timing she mentioned on the phone.However, despite all the communication being professional, I’ve had trouble finding additional information about their business online.I’m wondering if I’m being overly cautious, but I want to make sure everything is legitimate and avoid any potential scams.

I don't want the opportunity to pass so I'm reaching out to family and friends who would potentially want to invest too.