I would 100% leverage my cash/working capital with a bank.Im sure you can lock into a low interest rate, and if you choose to aggressively pay it off, great, if not, great!

Unless you wanted to do a cash out refi, you could refi both properties into one loan at a decent rate that you can lock in before rates start to go up. 

Additionally, Cincinnati was aggressive in their QOZ selection so their may be opportunities in those neighborhood which would also be tax effective, if applicable.

(Towns can get aggressive & lots of people just pay the fees instead of pushing back.)In this instance, we could have been proactive in calling the town ahead of time.

I just found a decent one last night.

I also have a house in Conroe, Texas it generates decent cash flow every month but appreciation is fair at best because of where it is, I had 3 applicants last time I placed it for rent and I have my reserves of raising rents in fear of tenants not being able to pay a higher amount.

I have decided to just get decent blinds and pay for it myself. 

Anything you buy with a tenant in place you should assume is going to come with a decent bill for your first tenant turn.

You can find some decent ones in better areas at that price point, but look out for the HOA rules and fees.

We are currently tackling debt aggressively and not focused on saving.