I have 30 yr fixed mortgage for 3.5$ APR. 25 yrs remaining on the loan.

A lot of wholesalers artificially inflate their numbers.

@Michael Vu It sounds like the deal is already marginal so if the terms remain the same I wouldn't move forward on this.

And new housing isYou are allowed to raise  the rent by 5% plus rate of inflation (CPI, but there are questions on which one).

The theory is that we are priced significantly below the remaining top 10 cities.

I am debt averse myself as per my original post, which is why my focus to pay off the remaining consumer debt has been priority for me vs. my potential business partner.

The home is 15 years old (built 2005).I have 12 years remaining to pay this off.

Before leaving the tour in March 2021, my goal is to purchase one more rental property while still having the remaining capital left over for a rehab/ brrrr deal.

If i were to take that money and pay extra in the loan, it would drop the remaining time from 27yrs to 18.5yrs, but ultimately it was having that extra $370 buffer for fluctuations in the economy, or extra money to save for another rental, that was the deciding factor.

@Parag Doshi  If this is something you think will add value, then do as Marcus suggests and offer to split the professional installation costs and put it in writing that it remains with the unit and they are responsible for maintaining it.