Pat, your profile doesn't show what state you are from. 

I dont even have my profile filed out yet (slacking) I'm located in Kentucky and I'm currently learning as much as possible about buy and hold.

I have more details in my profile for those who want to check it out. 

In any transaction, there are 3 factors that define the risk profile: Location, Vintage, and amount of Value-add.

Too long for here so go to my Profile https://www.biggerpockets.com/users/MikeM500 and follow the link.

@T PellinIt sounds like you should speak with a financial advisor and come up with a road map to retirement.14 years allows enough time for material growth in your retirement assets and additional savings.Generally speaking mortgage paydown is low ROI.Your risk profile, wants, needs, and goals all need to be considered.

I encourage everyone to include the location they invest in their profile so it appears after your name.

Also, is there a story behind the Space Shuttle profile pic?

Nonperforming note funds are not something that match my risk profile, but I am invested in a couple of different performing note funds that do not use leverage such as Broadmark and Arixa.

You may want to consider moving on if he does not.It is very difficult to mention whether his costs are expensive or not without knowing your complete tax profile.