Whether interest accrues or is paid immediately, it is the same amount of expense and no effect on PROFITABILITY.  

Quote from @Neil Quinlan: Thank you and yes I am vested with my department thankfully and have 15 years until medical is paid.

I’ve been in this situation and with a growing portfolio and expenses, it’s hard to put money aside for two mortgage payments.At Sid Was Here, my management company, we’ve always offered to let guests pay into the future for longer stays.

I've paid for a handful of programs over the years from cheap to expensive and narrow-focused to broad-based. 

I get that having a paid off property is very comforting, but to me it's not the best move if you're trying to grow. 20% down and 3% annual appreciation means you're making a 15% return on your downpayment. 

I do get hesitation of investors to be frugal on pre-closing expenses, but it's almost always illogical. 

What's left after subtracting the expenses is your Net Income. 

You sell after 12 months and take no depreciation expense in the first year.  

In the past, I cashed out my 401K(Paid income tax + Penalty).

I'm not sure how they were paid TBH, since Baselane does not disclose that.