(warning: this is not endorsement for Morris Invest, but the message is still worth watching)So, what do others like to do, pay it off, or ride the mortgage wave?

I currently have a 15 year loan at 3.3% with 11 left if I let it ride with no early payments.

We used to call it "four corners" and when we were kids we'd ride our bikes (I guess it would ahve been the south east corner?). 

It's in a very desirable area: 1 block from "restaurant row", 1.5 blocks from train stop (BART), 2 blocks from freeway entrance, and 3 miles (15min car ride) from UC Berkeley. 

Either self manage and fire PM or sell the property or take a ride to the casinos and roll some dice, you may have better returns.

Sounds like you would have a chance on your ride. 

There is a lot riding on this you should consult an attorney for this issue.

We ride the wave for a little while and then we get off and catch a new wave.  

While riding my bicycle and training for races I was hit by a car.

I am closing one in Charleston next month that is the case.. my agent brought it to me.. to make it work there could be no fee up front .. but we will build 3 750k specs and they will get list backs.. everyone wins.. plus they know we are cash and can close.. you need cash in this end of the business.As for small subdivisions we do those in Oregon.. and its quite cash intensive and credit.. we just wrapping up 23 homes and that took 600k  in cash and 23  300k vertical loans.. so you need someone with the cash up front can let it ride for the 24 months start to finish and has the ability to walk into the bank and borrow 7 million dollars in 6 months.. these are doable but usually takes a person a decade or so to get the experience behind them so that the lender will work with you and the investor or you need your own cash..