Given historical data our market tends to overshoot the highs and go lower than the national average during economic downturns. 

Look at a historical chart of interest rates, what has happened for the last 13 years with respect to interest rate is unprecedented in US history.In the early 1980s, interest rates were double digits!

Paying down the debt would be a 13.9% return which is historically higher than the average return of the stock market.Another option could be to try and refinance the debt to a lower interest rate and then you wouldn't have to focus on paying it down. 

Ensure the interest you're paying is still relatively competitive, as rates for traditional loans are at historic lows.

There’s an ocean-view pool terrace, a lighted tennis court with a spectators’ area, a catering facility, expansive lawns, edible and ornamental gardens, and 480 feet of beach frontage on this nearly 5.5-acre parcel subject to a historic property preservation agreement to keep it intact.

Parts of Warren park, Irvington Historic district may be okay.

And hell, Denver investors with a historically low interest rate mortgage have a hard time cash-flowing in Denver.

Bang for your buck is tough to find these days, but historically you make that up and more in appreciation.  

I do agree with you that rates are at historic lows and there’s definitely more upside in Central Fl.

I usually use the previous 6 months as historical data, but have been narrowing down on the last 3 months as I feel that it is a more accurate representation of today's climate.