My first thought is that it was a no brainer, but my realtor got into my head when she said that it may harm resale to only have an eat in kitchen and not have a formal dining room.

A better way might be “inflation eats returns” or looking at your ‘real’ rate of return, and despite inflation, 8% Cash on Cash certainly will get you far if you’re patient. 

I am reading as many books as I can eat my hands on and listening to every podcast relating to real estate. 

Why are you buying a new car and eating all that depreciation (anti-investment), why are you renting your TV, in fact why do you even own a TV period! 

I guess I'll have to eat the appraisal and processing fees if I cancel.   

Eat 'em up Cats :)

Assuming that you only have about $30 in positive cash flow, your HELOC will probably eat that up plus some. 

Speak to your insurance agent and ask them for a policy quote to cover a 12 foot python that likes to eat small animals like rats, rabbits, cats and oh yeah...the four month old child that lives in the unit downstairs.I am quite certain when you see the price tag on the policy quote to cover a non-domesticated animal that eats little babies.There is your undue financial and administrative burden.

She asked me today if it made sense to cash in almost $30k of that retirement and eat the penalty to pay off the debt.

However the costs of LLC registered agents, annual filing and tax filings would eat into the cash flow significantly.