I wonder if it's worth it to sell shares pay the 15% capital gains and pay off the mortgage.

The idea is simple: purchase a property, live in one part, and rent out the rest to offset your mortgage or even generate profit.

Quote from @Jaycee Greene: @Basit Siddiqi Just sent you a DMI read your message but I am not sure it is what I am looking for.It appears that are a mortgage broker and help investors get financing (correct me if I am wrong)I own a lot of properties free and clear. 

that we’ve learned in our 24 years, managing almost 700 doors across the Metro Detroit area, including almost 100 S8 leases:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

These properties cover my mortgage, allow me to save for maintenance/repairs, and are projected to be worth $7–9 million by retirement.

So to say, in a year or so you can move in is 100% mortgage occupancy fraud. 

We have secured a home equity loan against our home (which we own out right with no mortgage payment).

I think it is just as indisputable that higher cost markets will produce greater value add via a proper rehab.Next question is does initial cash flow have any correlation to actual cash flow over a long hold. 

After some issues with the mortgage lender not doing their due diligence until the last minute they put in some of their commission to support the closing of this property.

They are a great person & I wish them the best of luck for future work.However, I'm somehow unable to justify the $25k+ I am expected to pay to them as commission on each $1M invested.If I am researching the market myself, creating comps myself, reviewing each disclosure myself, working with the mortgage lender myself, finding problems in the homes myself -  what is the value add that the agent is bringing to the table that I can't execute myself?