I’d recommend looking for someone who actually works with investors and talks numbers like cap rate, rent comps, and value-add, not just retail features.

It looks like your options are a Cap Rate valuation or a manual override. 

Just vet neighborhoods carefully.Akron/Canton, OH: Cheap SFR, duplexes and small multis, strong rental demand, and higher cap rates.

Sales comps stand at $665 PSF, with a 6.0% cap rate.

In much of California, unlike many other areas the cap rate is lower than the mortgage rate so it is now a  game for all cash buyers and with virtually everything paid off, It will take me years to build enough cash to buy.

When a borrower can qualify for a conforming (fannie/freddie) loan, the conforming loan is almost always a better deal vs an FHA loan from a bang-for-the-buck perspective.

Hi @Scott Green, it really depends on your cash flow goals and risk tolerance, paying it off gives peace of mind and stronger monthly cash flow, while reinvesting could grow your wealth faster if the numbers work.For another commercial property to make sense, the numbers should show stronger returns than your current loan cost.If the cap rate minus your financing rate still leaves positive leverage (meaning your debt helps, not hurts, your returns), then it could be worth pursuing instead of paying off your existing loan.

So most likely between interest rate lock and cap rate compression along with aggressive underwriting.

To really do a bang up job, think like someone who doesn't have anything, scrutinize deals, buy using creative finance and safeguard your assets. 

The DSCR and Cap Rate both look strong — even if expenses came in higher, you’d still have good breathing room.