Even just adding an extra $100-150/month to the principle can take years off the life of your mortgage.

The main drivers1) Local Inventory2) 10 year treasury(macro)3) Personal Debt levels(macro)4) Real Unemployment(not the unemployment number but real white collar job loss ratio'd to part time jobs). 5) Industry proliferation(can't tell me a tech or finance hub moves like a health hub).To tell me #2 will derive from the same inputs as it did in Sep/Oct, I'm willing to bet it won't.

No reason to believe I won't receive $50 per month for the life of this fund. 

This is the biggest decision of my life and I don't know what to do!

Just saying it is just a speculation doesn’t make you go anywhere in life. 

Aside from Real Estate, my love for life is found in auto racing (F1, Indycar, Etc.), spending time with my family, and always continuing to better myself whether that be reading books, being outdoors and exercising, networking, and/or sharpening my skills for my trade.I started my real estate journey in 2021 after a software business I was a partner in had a bad partnership breakup that saw me lose everything (financially). 

Quote from @Christian Bobby McLemore: You're 21 and you've been building houses your whole life?

Explore my personal favorites, Set For Life by Scott Trench or The Total Money Makeover by Dave Ramsey, for invaluable financial insights.3.

From November 22 to December 29, step into a dazzling winter wonderland featuring twinkling lights, stunning larger-than-life sculptures, an ice-skating trail, and visits with Santa.

Have both a personal and REI emergency fund because life happens.