I have a lot to learn so forgive my ignorance.

I've purchased my own home without a mortgage and I own all of my vehicles with no debt.

Mezzanine: How to Choose the Right Tool for Your Capital StackEvery investor hits that moment when senior debt isn’t enough—but bringing in more equity feels too expensive.

That doesn’t add up unless you have lots of other debts.

We have several properties with debt that are starting to pay off.  

Quote from @Adam Macias: A 50-year mortgage sounds like affordability — but it’s really it'll be debt that never ends. lolOn paper, stretching a mortgage from 30 years to 50 lowers the monthly payment, yes.But in reality, you’re paying far more in interest while barely building equity for decades.If you buy a house at 25 years old if you're lucky, you'll be 75 when the mortgage term ends...It’s housing that feels like ownership but functions more like renting — just with a longer contract and a higher total cost.The real problem isn’t the length of the loan.It’s the affordability crisis that’s forcing people to consider lifetime debt as a solution.Until we address prices, wages, and supply, extending loan terms only delays the inevitable...The further elimination of the middle class chasing the American Dream of owning a home. 

This way I pay off the mortgage early and save thousands in debt payments. 

I would really prefer a section 8 tenant that is employed with little to no debt (that is in collections).

I bought it at roughly market value for the long-term debt and strong area fundamentals.At this stage of the amortization schedule, the loan is paying down around $11.5K in principal each year.

I’ll offer a different angle that often gets overlooked: the financing structure.One big distinction in multifamily is the role of agency debt.