I believe interest is tax-deductible if used for property improvements or purchases, and it gives you quick access to funds while keeping your stock portfolio intact.Private Money Loan: If you have a trusted partner and terms that work well for both parties, this could be an efficient solution without tapping into your other assets.

But the "art" really only comes with time in market and a deep understanding of both the market and the operations of assets.

Prioritize your financial stability.

That 4% mortgage is a real asset.

The reality is most financially independent people went through a decade + of working 60-80 hours a week.

I've had so much emotional and financial stress from this house after I moved out (mostly from a mean and very demanding tenant).

Assuming the financials make sense to do this of course.  

Together with it, i have a mortgage free apartment that serves as financial security. 

Forming a business to protect my assets is an area I need to gain more knowledge in.

Dumb Debt also means that the owner takes on recourse debt and personally guarantees it instead of non-recourse debt or other people’s debt (OPD) or cross collateralizes it with highly appreciated assets with low debt to value ratios.