If I was confident in being able to make 10%+ return in real estate(Cash Flow + Appreciation), then yes.I don't know if I would do it now since i am not sure I can make a 10%+ return in real estate given where interest rates are.The reason I suggest 10% is because the stock market on average makes 8% annually.The 2% annual difference will pay for the penalty over several years. 

Many speculative investors with over confident numbers purchased short terms rentals in Hot Spots near national parks based on the returns of a short term rental.

Check your local state laws, and if you're not sure/confident def talk to an attorney

I was overly confident, and then the market changed. 

I'm not sure you should feel confident about the return on your equity if there is no cash-flow.

If you're confident that you'll be able to obtain a lower rate in 6-18 months as rates fall, opt for the smallest prepayment and points option that you can find. 

That experience can give you the confidence to grow. 

I’m still in the shallow end of the beach, focusing on helping fund EMDs on deals while I learn to dive deeper, achieve greater confidence to eventually swim with the dolphins and whales.

Public has confidence in economy) and (4) OVER SUPPLY (Due to expansion, supply is now starting to exceed demand. 

I suggest beginning with turnkey rentals as you build connections and confidence.