So if you had 20 of them, you're talking about a huge retirement kicker that you can build.If you're up there higher in age (i.e. 40's or 50's), then the long play doesn't make as much sense. 

Plus, having a fully paid-off property could be a nice safety net if the STR market takes a hit or occupancy slows down.On the flip side, if you’re eager to grow, saving for another property could be the better play.

@Tom HallAt 7% if you can I would pay it down as investing it net after tax gains may not get you the 7% you are paying - so it’s less riskDownside is you lose liquidity of that money as it’s tied in your propertyIf rates come down in future you can refinance and even take some of the cash out.Regarding your question are rates coming down, a lot of factors come into play but right now it does not appear there will be significant changes to rates over next 3-6 months.

If they are available online or in person.

Long term play would be to either use it as a short term rental or 1031 exchange it after 2+ years.

In playing with the numbers a bit, I'm seeing a trend of atleast 2% rent to price and (ideally) < 7% mortgage rate needed to achieve a decent cash on cash rate.

You can also check their reviews online at Google, Facebook, or Yelp.

I've been running the numbers on different properties using a variety of online calculators for properties that I initially thought looked like there may be potential.

Columbus is going to be more of an appreciation play and cash flow margins will be tighter in the beginning. 

Keep track of those costs this year, they come into play in 2025 when it's in service.