You can't just look at where there ads land in the Google results for your property area. it depends on the big markets that come to you.

Depending on when you see this response, I think Momentum 2025 could be a perfect fit for where you're at right now, it's a weekly 8-week virtual series going over all kinds of RE topics with the pros, there's time for Q&A and also everyone will have access to small accountability groups to network and bounce ideas off one another.

It's worth a conversation.IF you determine that selling is the way to go, $1M could buy you a comparable property in Scottsdale, depending on where in Scottsdale you'd like to be, and how much land you want on your lot. 

The increased cash flow would make such a substantial difference in your daily life that not paying it off would be foolish.Outside of that, I can't see many reasons I would take a 15% tax hit to save 4% on a mortgage, which is really only effectively about 3-3.5% depending on your tax bracket.

Just depends on the situation/scenario.

It all depends on your specific circumstances and I think getting other's opinions is helpful but what works for YOU?

It will depend on your preferences and how well you think you will tolerate having a room mate as you approach a new life with your partner.

It all depends on what your requirement for cash flow is.

And that depends on how you view the costs. 

It is more dependent on that than your experience.