I believe the wise thing to do is invest only after you have paid off your debts and demonstrated financial discipline.

Be disciplined, don't take unnecessary risks and move on.Also, most of us would help you with your questions, as long as it is specific and detailed. 

Again, which one makes you more comfortable:Paying it all off now, and hoping  you can have the discipline to save back up, and rates don't go up by then, or the market takes off. 

Others will be inclined to do so, but you will have to be disciplined to understand your money needs to make you money.  

I also have what I call discipline bins, one for painting, one for plumbing, one for electrical, one for tile, etc.

The discipline of holding and building is a powerful ally for you as well. 

@Brett LeeMy advice for someone who isn't sure they will invest all of the savings successfully, would be that $212 a month isn't worth resetting the repayment period.Now, if you are confident that you have the discipline to reinvest that $212, then I would disclose that if you reinvested your $212 a month at 6% return you would have $88,222.42 at the end of year 19 and $206,596.75 at the end of year 30. 6% is a very modest return for a successful real estate investor, but higher returns will come with higher risk.

It's for sure hard but if you have the discipline and intensity to stick with it, you'll do great! 

Last question will determine if they employ relatives and in the case an issue arises this will determine if the property manager will be willing to discipline or fire that employee that is related to them

I would also contact the NC Bar Association, first to see if anyone has filed a complaint and then to file one myself. https://www.ncbar.gov/lawyer-discipline/