If both are at low rates and your credit is good, I would save and buy a rental instead of paying off the loans (obviously continue to make the regular payments). 

Bathroom schedule, refrigerator space, noise curfew, hosting parties and visitors were not allowed, etc., but the rules were very reasonable.  

Our regular electrician says $6K - $10 to do a house.

Meaning guests can cancel with no repercussions regardless if the hosts cancelation policy.

You only get what you are owed.If it goes to bankruptcy it STOPS foreclosure process as they try and restructure the debt and go back to regular payments potentially (depends on type they file)To be blunt if you never have bought a note before buying a non performing commercial note would be like handing the keys to a tractor trailer to your 16 year old kid and say go drive this as their first car they ever drove.

Had to build my own "black book" of contacts from afar, and get creative on tenant turn-overs by incentivizing current tenant to host an "open house" for prospective tenants.

Had to build my own "black book" of contacts from afar, and get creative on tenant turn-overs by incentivizing current tenant to host an "open house" for prospective tenants.

@Bryan Walsh, nice way to think outside that box.You would have to shop that around, and you might want to find some private money rather than a regular HM lender. 

@Larry Smet hosts events about investing in the U.S. so definitely connect with him (https://www.biggerpockets.com/forums/521/topics/801078-toronto-meetup-for-investors-in-us-real-estate-mon-mar-9-2020)I, personally, like to keep on top of Eventbrite as well. https://www.eventbrite.com/d/canada--toronto/real-estate/?

I'm only hosting in my smaller markets and they haven't been hit as bad as the larger markets that I host in.