A balanced approach—leaving some 401(k) funds for diversification while allocating after-tax dollars to real estate—can optimize tax efficiency and meet retirement goals.This post does not create a CPA-Client relationship.

Assuming you paid $430k, put down 10% ($43k) so have a loan balance around $387k and $100k in equity means it’s worth $487k.

What is the seller typically expecting to sell these for, considering that the UPB and legal balance are lower than the property value?

I have one and they're currently at 4%+, no minimum balance, no transfer fees and unlimited transfers, and they pay out interest monthly.

According to the Texas A&M Real Estate Center, we find a balanced real estate market at around 6.5 months of inventory.

If you don't need the cashflow then you could throw it at the loan balance.

Having the cash means you can balance a higher amount down to make sure you earn the cash flow you want monthly, but also leave some around for more. 

However, higher property values mean there’s also potential for strong rent growth, which can help balance out the numbers when you refi.

The first monthly interest installment of xxxxx due on or before April 15, 2024 and continuing in like consecutive monthly interest installments of this amount for a total of one (1) year or twelve (12) payments at which time the entire unpaid balance, including Principal, accrued but unpaid interest, will become due and payable.

On top of the the borrower most likely owns it outright or has a small balance left on the loan.