I asked if he'd give me a personal guarantee on a private asset around $10K, he said he doesn't own anything outright that's worth $10K.  

I am not guaranteeing these numbers, nor can I guarantee future rentals or appreciation.

No need to be amazed, I'm not guaranteeing anything.

At 8.5% on ~$104K, you are basically getting a guaranteed 8.5% “return” by paying it down, plus improving cash flow right away, which matters here because your property is actually negative after debt.If your goal is stronger cash flow and lower risk → paying off (or paying down) the loan makes sense.If you have a clearly better deal lined up that will beat 8.5% after taxes and you are okay keeping leverage → then deploying into the new deal could work.

.📈 Why This Portfolio WorksFully stabilized with strong rent collectionSolid tenant mix with guaranteed income componentsUnder-market rents offer immediate value-add runwayStrong cash flow day onePerfect for out-of-state buyers wanting scale with low entry cost📑 Detailed Information (By Request)Due to tenant privacy and confidentiality, I can only release:Rent rollT-12 financialsMechanical notesCapEx historyafter a signed NDA from the actual end buyer.▶ If you’d like the full package:Send me an email: Michael at themagnogroup dot comYour full nameBest emailConfirmation that you're an end buyer (no wholesalers, no assignments)…and I’ll send the NDA.Once signed, you’ll receive the full OM and next steps.Happy to answer high-level questions here.For deeper dives, please DM so we can keep tenant info private.

-Offered guaranteed rent and professional maintenance.

They only operate in markets where their data can hedge an almost guarantee if you follow their protocol.

No coach/mentor can guarantee you'll be successful in real estate despite their sales pitches.

No guarantees in life except death and taxes.

You can structure your home with an LLC, or even invest with multiple people.Peace of Mind: 1-Yr Rent Guarantee: We guarantee rent for the first year, so no matter what you will receive your rental payments uninterrupted and you’ll be making money from day one.