Leverage or Not? From those who’ve done both

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I'd like to hear from those 40+ years of age who've paid down principal fast vs those who used leverage and whether they're happy they chose that route or they regret it. Hindsight is always 20/20 and I'd like the hear their opinion as to why they chose their route and if they'd do anything differently. Thanks in advance!

I'm not over 40, but I think it really comes down to your "why" on investing. Do you want scalability or security? Leverage will allow you to scale, but nothing is more secure than a free a clear property. Chances are you want a bit of both, so depending on your risk tolerance, if your portfolio is at least at 75% LTV with adequate reserves, I wouldn't be too quick to pay down properties at a young age considering historically low fixed-rate financing available today.

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