Here's my take on the decision:First, let’s look at the pros and cons of paying off your current short-term rental (STR):Paying Off Your STRPros:-You Eliminates your largest fixed expense (the mortgage), which increases your cash flow significantly.

* What do you do to ensure that the tenant is responsible for security deposit disputes since that is the largest reason for owner lawsuits* How familiar are you with the newly changed laws that can affect you the owner if they are not used correctly?

Think of it as the rough sketch that helps you figure out where you want to swim: Omaha’s stable single-family rentals with decent cash flow and strong appreciation potential, the sizzling up-and-coming pockets around San Antonio where off-market deals still lurk if you’re willing to roll up your sleeves, or those tight-knit Chicago neighborhoods where a trusted investor-friendly agent can point you to contractors who won’t ghost you mid-reno.

To do that, to completely re-zone and re-plat the entire area would require, if my history is correct, the largest exercise of eminent domain in US history. 

I think Collin is being a little tongue in cheek with the Boone's Farm comment.I work with a local, large wine store, wait for their semi-annual sales when they compound discounts and buy 2 cases of each (white & red) for the largest discount.Basically I'm setting out wine that retails for $11-12-13 that I have paid $7-8 a bottle.  

We’ve just finished our 2025 planning meetings for our six largest projects, and it’s been an interesting process. 

“Only when the tide goes out do you discover who's been swimming naked.”

In general it is not worth building a single ADU for a variety of issues but the largest is the cost to add the ADU is typically far greater than the value added by the ADU.  

However, we still get beat up on a daily basis over our fees.I left one of the largest PM companies, who had those exact fees, and started my own business with the sole intention of eliminating all of those fees.

I got to my current financial success through a series of well thought out endeavors but with a massive sink or swim element as I am often self guided..."