hihi :) Thanks for your thoughts Jaycee, Not sure I would call it a cash cow but I did think it was providing a opportunity.

My accountant was lazy, not well informed and provided bad advice.

I'm also a licensed mortgage broker with a lot of fix-and-flip programs, including some that require as little as 10% down on the purchase price, and provide 100% of the rehab funding.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

An owner of the home is looking for someone that can provide some show money. 

This is my first deal and I wanted something to provide me stability for future me

Paying off the mortgage can provide peace of mind and simplify retirement, while keeping the debt allows you to leverage your funds for higher returns through investments.

Quote from @Roger D Jones: SamEveryone here is providing great points to consider and if you were my son I would say that at 360k this 'dog needs to get put down'. 

Again, this is only based on info you provided so there could be a lot more to the story for the good or bad but I can only comment on what was provided. not sure many are thinking rates are going to drop much in the next year.. seems like one would want to know how much they need to drop to see if the plan will work before putting good money after bad.

For short-term gains, options like private lending, where your IRA acts as the lender, can provide consistent returns through interest payments.