I know this first-hand as I just recently retired as a police officer.

However, this will knock $100k off from his $300k note, which he wanted to ride out for the next 5-15 years for retirement cash.  

I'm in my early 40 and am looking to retire is hopefully 8-10 years.

Get a good professional, often these are the types of jobs retired floor guys like to do.

Normally they can't touch retirement accounts, but they can go after everything else. 

@Steven LopezIf you have significant retirement assets, you could look into a combination of the strategies mentioned in previous posts. 

There are so many options it can sometimes be overwhelming so I started by writing out my goals to help narrow my path.Goals:1) Create Retirement Income (10-15 years out)2) Pay properties off in 15 years (probably through rent appreciation)3) Minimize vacancies and repairs4) Work with higher quality tenants/families5) Purchase first rental property in 90 days ($180k-250k)Based on my goals it seems that Buy and Hold rentals is the definitely the way to go. 

I dont think this could apply to retirement SS.There are a lot of people scamming the system to get disability SS.

Then the CPA running it was retiring and stepping down (oh and he was selling his condo).  

I then rested and enjoyed a few years of retirement.