On all fronts he came into this with the motivation to change his lifestyle, and I'll tell you that most people who meet him in person will say it that it shows.

Quote from @Liz Rivera: I’m currently in the same predicament, except I’m renovating the unit I’M living in. 

I bet the government thought people would plug in while visiting the DMV and then leave, that never happens.

@Tom HallAt 7% if you can I would pay it down as investing it net after tax gains may not get you the 7% you are paying - so it’s less riskDownside is you lose liquidity of that money as it’s tied in your propertyIf rates come down in future you can refinance and even take some of the cash out.Regarding your question are rates coming down, a lot of factors come into play but right now it does not appear there will be significant changes to rates over next 3-6 months.

The mortgage I have in place has a waterfall prepayment penalty, so 5% penalty in the first year, 4% in the second year, 3%…and so forth.  

I am an out of state investor and looking at duplexes in fort valley close to fort valley state university.

Does it need to be completed before end of the year to use it when I do taxes in April 2025? 

Things will pick back up again in January.

Now, either I'm not posting in the right places of i.e Cragslist / BP etc or my ads aren't as well constructed as I think they would be to attract motivated sellers.

Hello buyers in the Spokane, WA area and the PNW!