I get the feeling you don't enjoy being a landlord, so I agree that you should consider selling and investing in something that doesn't include tenants and toilets.

., (3) gives you viable options and explains the pros and cons of each option and (4) you enjoy interacting with - this should be a relationship, not a transaction.Once you find a few lenders like this (and you should have relationships with more than one), then you can start comparing rates and fees.

Until that happens, enjoy major cash flow. 

Hello Robert,I enjoyed reading your post. 

Just wanted to introduce myself and enjoying the Bigger Pockets site and forums.

We are both analytical and enjoy working with numbers.  

If I pay it off, I could maximize cash flow earlier, reducing financial stress and allowing me to focus on other ventures or simply enjoy life more.On the other hand, I know some people advocate for keeping cheap debt and using the extra cash to invest elsewhere for potentially higher returns.Why I’m leaning toward paying it off:Security: No debt = peace of mind.Financial freedom earlier: A fully paid-off rental would give me a significant monthly cash flow?

Enjoy the journey!

If you get help and look in the right locations, you can make the numbers work and still enjoy the property with your family.

If you ever have any questions as a new member feel free to reach out I enjoy helping.