@Tom HallAt 7% if you can I would pay it down as investing it net after tax gains may not get you the 7% you are paying - so it’s less riskDownside is you lose liquidity of that money as it’s tied in your propertyIf rates come down in future you can refinance and even take some of the cash out.Regarding your question are rates coming down, a lot of factors come into play but right now it does not appear there will be significant changes to rates over next 3-6 months.

I think Marks post was fair  not sure why one would think he was paid to post that. 

Hey James: These are note from an attorney that we use to evictions hope they help you.If you need exact notices may be I can paste them on here so they will help everyone is IL that needs to do an eviction.Eviction in Illinois Are Done By The Following Rules:There are some exception like the city of Chicago, Evanston & Cook County but the rest of the State Of IL is fairly straight forward.

However, it's fair to question the integrity of the management since it's in-house.

Play with your numbers and see what a deal that works for you looks like. 

And a single or double play is awesome.

Usually, they just want that and will stop, but there are always some outliers and sometimes it is our fault and our job is to respond and correct and accept the review.Your second point is fair too.

It's not fair for his future landlords not to know about this terrible tenant.

Come tax time it becomes fairly easy to run separate reports for each entity or each property for schedule E.

Worse than negative cash flow is buying out of negative cash flow at current rates.Note I put forth certain effort to keep my leverage high   Until the recent rent hikes, it was fairly simple to refinance every few years and keep the leverage without large penalty from rate differential.