Based on what you've provided here, I'm going to assume the partner is a friend or family member- and not to rub salt in a wound, but most people think that makes a contract LESS necessary, which is the total opposite.

I am brand new here and truly to real estate investing. 

I’ve paid myself back every penny I’ve put into real estate, so all my cash flow from here on out is infinite. 

The old saying “it’s a numbers game” real;y applies here.  

I am located at Central Florida area, and I believe that even with the high prices, higher interest rates and huge supply of real state down here, still out here many great opportunities.The market still hot, we just need to adjust the approach..... at least are my guts feelings.v/r

I live in California and Id like to invest here.

I try not to add my opinions too strongly to these threads when they come up, but a lot of the opinions here have made me feel that a different viewpoint is warranted.  

Directly contact other Co-Hosts on IG, FB, Reddit, and Here. 2.)

Here's an article with some examples: https://finance.yahoo.com/personal-finance/one-extra-mortgag...You can also search for "early mortgage payoff calculator" and enter your own numbers to see how extra payments impact your mortgage.

That may not be the case here since you've only owned your property for two years.