Am I playing it tooo safe? Am I missing out?

[Josh Adams]

I am a Landlord with 4 Rental Properties.
2) Are free and clear (well I have 60,000 loan on one that I secure part of my personal residence with)
2) Are on a Commercial loan (Up for refi this year)
I owe 108,000 combined on those 2. Both of these rentals have an recent appraised market value of 125,000 so in theory if I were to sell both of these houses for 200,00 I would have 92,000 in equity?

My short term goals, would be to pay off the 108,000 mortgage, Now I know I could apply more to my principal towards this and pay it off earlier. But apart of me worries I could be making smarter investments to have this paid off alot sooner and be in a better place.

My largest concern is the current state of the economey and what to do. Play it safe? Go in full steam?

Anybody have any ideas, options ?

All my properties cash flow, but I still deal with my tenants paying late and having issues in that department, Im in the black but struggling to stay there.

Thanks in advance