@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.

There are too many factors that you cant control .

A factor is whether the panel and electrical can handle the additional load.

It's arguably the #1 most important factor to a listing, be it for leasing or selling.

You are correct; I made an assumption that we wouldn't be able to sell through a realtor based on the factors against us.

So trust is a huge factor here.

@Gustavo Delgado Tax Saving is one of the factors people consider while investing in RE.

The next day after we had dinner, I had a surprise knock at the door early in the morning.

We do not factor in capital gains tax in our final net profit projection Hope that helps!  

A strong “Core 4” can make managing your investment remotely much smoother and prevent a lot of headaches.Also, as you narrow down cities, pay close attention to factors like job growth, population trends, landlord-tenant laws, and short-term rental regulations.Happy to connect with you, and good luck as you jump in!