@Matthew PaulThanks Paul that’s great advise and think I’m pretty competitive with the market.I guess what I meant to say was I’m turning potential customers down before I’ve even provided an estimate due to my current work load.

This will clear this debt load from your financial picture, and clear your mind space, so you can find a different rental that does cash flow.  

I told him that it look terrible and we needed to re-cover up that old brick, so I asked him to build a light weight wooden hearth, and he wanted to charge me for it.There are lot of other places, where he remodeled, and it is technically functional, it just looks like really shoddy work.

Refinancing back out to 30yr re-sets the timeline and mortgages are top-loaded with interest. 

Willing to carry my weight fully and build an organic relationship.

As a example if you balance your debt load on real estate with other accessible investments you may choose any debt balance you are physiologically comfortable with.99% of the determination is based on risk tolerance and how that is managed.

I would always consider contributing cash toward your business and lead generation...10% of your income dedicated to lead gen that lands you a lease option or seller carried loan on a large MF is worth its weight in gold...actually more ;) Best of luck! 

@Jeff LundeenIn regards to your expense load, do you have historical T12's you can dig through?

In other words, front load the interest, to where the amount paid at the end is their paying off the principle, with mostly just interest being paid to you while the payments are rolling in (paying for your risk).  

I know a guy who does it and he has dump trailers that he rents to contractors for $150/week then he charges a fee to bring it to a landfill according to weight and distance.