But I really can't take it anymore, and have reduced significantly. 

You could negotiate with the seller to provide a credit towards your closing costs or reduce the purchase price.

Interest Rates and Mortgage RatesImpact on Buyers: Higher interest rates can make borrowing more expensive, reducing the pool of potential homebuyers.

My gut tells me that Texas, particularly Austin and Houston, could be where the next wave of growth and expansion occurs, mainly driven by strong business and job creation trends.Here’s what I’m looking for in my US investments:Free-standing houses with a good land component, at least 3 bedrooms and 2 bathrooms, and in well-maintained condition.Yielding over 6%, with a slight cash flow positive outcome, while also offering medium-term capital appreciation potential.Holding for at least 5 years or more, with a view towards steady growth.The long-term goal is financial independence, reducing reliance on salary-based income, and building assets during this accumulation phase.Debt reduction is on the horizon—looking to consolidate and start winding down debt within the next 7 years.If anyone has experience investing in the Texas real estate market or any tips on navigating US property investments, feel free to share your thoughts!

Will it reduce my cost of living when compared to renting?

Help them reduce risk? 

This reduces the amount of upfront capital you need.2. 

There are several ways to reduce W-2 taxes with real estate.Contribute to retirement accounts: Regularly contributing to your retirement account will steadily increase your net worth.

I also want to payoff the property to reduce my debt liability and make it easier for my family to deal with should anything ever happen to me.Are there any negatives to paying off the SBA-HEDCO property loan now?

They may sell at a reduced price compared to a homeowner who has taken care of and loved their property.None of these repair issues are a deal-breaker by themselves.