I'm planning to make additional payments to pay off the mortgage faster, and I'm unsure how to account for this in the ROI calculation.

The problem is that there constantly seems to be fees being charged to me an example of this is in the contract  there is an additional 100 dollars allocated to sewer and water that the tenant automatically pays every month with rent and anything outside of it should be billed to the customer (there is no specificed time when this will occur on the contract) but it appears to be billed to me and after speaking to IIP it's like they made up rule on the spot stating that after 6 months all of the additional utility fees would be billed to the customer and in the meantime I am being charged for it.

However, it takes a long time to pay off this property and forces me to accumulate much more interest over time.

When flipping and dealing with people I am paying, I don't want many questions or negativity.

However, I feel that paying off the mortgage is a safer route for me.

They make LOTS of money for the company because they pay out much less than you pay them!

The roof leaks and has to be repaired by the time the rain comes and there's no heating or AC units.The partner’s focus on finishing the project to perfection rather than timely completion has further delayed progress, and our financial situation has worsened as we struggle to pay the mortgage.Given these circumstances, we’re considering selling the property.

(this would cover my half of the rentals mortgage)-Move and use my equity to pay 100% of the rental mortgage and use the rest towards my personal house?

Rates are a measurement of risk for the lender and there are some people who cash out and stop paying the mortgage.

I use things like Venmo, CashApp and Meta Pay(facebook) to collect the payments from my tenants who want to use electronic banking.