Commercial loan advice and two cents

@John Rutherford I'm in the full-recourse boat.  Now there's an ulcer waiting to happen 😬  But the reason why I made sure there was no prepayment penalty is that if I have extra cash I can paydown the note in advance.  And I do get a return on that prepayment in the form of tiny future additions to principal vs. interest payment.  You can look at it on a amortization table.  So I can get a risk-free 4.57% return (in my particular case) on that money.  Now that return isn't "cash flow" it's just paying less interest.  That's said, it's the opposite of 99.9% of advice you'd see here on BP.  The *better* idea is always to buy the next property.  Then again that's advice doesn't always come from someone with a full-recourses loan and a balloon payment coming up!