However, I'm also very tempted to pay off my LTR and own it outright for the peace of mind, and that would in turn make most of the rent income net profits.On the other hand i read you're better off paying off your primary residence.

If we sell we will both conservatively walk with around 40k a peace possibly more but I don't see any way it would be less. 

Here’s the real deal 👇🏠 Self-Managing works when:• You live nearby• You have time for calls & repairs• You know landlord laws• You like being hands-on 💪🔑 Hire a Property Manager when:• You’ve got multiple rentals• You live out of town• You’re tired of 2 AM maintenance calls 😅• You want stress-free, steady incomeSometimes peace of mind is worth the management 🙌

You should have a local property manager to handle people, a reliable handyman on call for problems, and a quarterly photo and inspection routine for peace of mind. 

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.

Wishing you continued growth, success, and peace of mind in your investment journey.Disclaimer: This message is for informational and educational purposes only and should not be considered legal, tax, financial, or investment advice.

What’s in it for you is peace of mind (fewer surprises, smoother timelines, and deals that stay profitable even when small costs shift).

Handling moisture concerns promptly, using the correct terminology, and maintaining professional documentation will protect your property, your tenants, and your peace of mind.

If peace of mind and steady income matter more right now, paying it off could be the better move.

They prove what every good landlord already knows: clean books and cash control build peace of mind.Small landlords can steal that same playbook.