So back to the drawing board, but for myself the big takeaway is to continue on the course that I set out on and too continually learn and stay involved with goals that I set out on and to stay focused.

I manage the real estate portfolios of my clients so they can focus their efforts on whatever they consider to be their "Highest and Best Use", which is usually looking for their next project.

I get a good laugh when I read  new investors post about buying C/D neighborhood assets liabilities and announce to the world how well they perform in the first few years focused solely on cash flow. 

We are going to focus on small multi-family first, and then  get into large multi-family.

Focus on areas near job hubs and good schools, as they attract reliable tenants.

We also have a huge budget allowance from the city over the next few years to improve public transportation measures within the city.

Stay focused.4.Master your market.

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?

We pride ourselves in keeping the forums positive, helpful, and focused on real estate (please, no politics, religion, etc.).

I am focusing on the part of your post asking -"would it be legal".