I'd focus on making sure you have the right people in place for legal and property condition due diligence.

Business plan would be to rent lots for $400-500/month, tenants pay all utilities. 

You'll also have to pay some depreciation recapture unless you do a 1031 exchange.So take that number and subtract what you owe on each of your mortgages and you'll be left with a net figure.

Lancaster used to have alot more crime 20 yrs ago and it turned and now im seeing the same things happening in Reading not to mention we know the rental market there has been amazing we get great tenants who pay only 1 or 200 month less than apartments rent for in lancaster.

Hey @Adriana McLaughlin - This is actually the FIRST TIME I have heard of the term "ALL-IN-ONE-FIRST-LIEN", but after doing a little bit of reading on it I am not sure I still completely understand.Basically, you apply for a HELOC credit payoff your existing mortgage with this variable HELOC and then in theory have some leftover as well...so the advantage is paying off your loan early and getting access to a line of credit, but the disadvantage would be a variable rate mortgage for the reminder due on your orginal first mortgage? 

I like the idea of selling shares to pay down the mortgage I'd have on it or use it for the next purchase, maybe a 1031. 

Do you recommend I just pay it? 

I also received no scholarship or financial aid, and would be paying the full tuition each year. 

The property is still your responsibilityBuyers will claim to sellers that they no longer have any responsibilities and that the seller doesn't have to worry about paying the mortgage fixing the property or taking care of expenses.

I used it for 5 seconds last Fall, and actually enjoyed it, but I just didn't put in the time to get benefit and didn't want to keep paying for it and not put in the work, so I canceled it and started using Prop Wire to skip trace since it's super inexpensive just for that feature since I was getting leads through other free sources.