I would suggest some passive in syndications, NNN leases, etc, and some active in her own property and the rest in stocks, metals, oil, etc

I would like to make a prepayment, however I do not want to decrease the duration of the loan, instead I want the loan to essentially recalculate thus reducing my monthly payments because I've paid down some of the principal.

Lastly you need to ensure you have the essentials in place before you start. 

@Gerard GonzalezTerrible rate indeed, but when me brick and mortar bank finishes my other HELOC later this month I too will essentially refi it.

Right now they only pay electricity and I am paying water & heating oil. 

I am trying to figure out what that means for me other than the fact that they are essentially the entire HOA. 

I also realized that I would never be hurting to buy deals again, because by learning to invest virtually, essentially the entire United States could become my investing playground.If you are sitting on the sidelines and casually exploring other markets, you are partly on the right track.

So essentially the plan would be live in one unit of duplex rent out 2 doors and airbnb the 3rd thats in her name then after a year move out and rent all four doors for $1400 with a mortgage on both per month about $2000 all in so $4000 total but cashflow $1400 x 4 = 5,600r - 4000m - 185 x 4 (185 for capex per unit and anything else saved every month for future repairs) bringing me to a total of $860 after its all said and done so $215 a door and hopefully living in another duplex by then to keep living expenses low!

Having a good team in place of people you can trust is essential.

You must find the (very) few that can provide the services and skills essential to your success.