If you use all that money to pay it down you incur a growing opportunity cost for not utilizing that money on something productive. 

If you want to access some of the funds from your 401k for personal use (investments), you could utilize the participant loan feature, which would allow each participant to access up to $50,000 of your retirement funds, tax-free and penalties-free.

I have been in technology for about 5 years now and starting to venture out into passive income and wealth building, it has been interesting and just now starting to really ramp up and get serious.I would like to start building a portfolio of rental property with several properties over the next year utilize creative financing.  

@Mat Deveaney - I took a look at the posting but didn't see any information on income of the units, what utilities are paid by the owner, etc.  

Who typically pays which utility bills?

From this data, you can utilize a website bestplaces.net that will give you a breakdown of the percentage of homes that sold, in various price ranges, for a given zip code.

I've been utilizing the BRRRR strategy for several years [before it had a name] and love it!

Proper insulation will keep the units cool except for the hottest weeks in summer and save tenants on winter utility bills in the winter.  

Smoke damage and mold issues and electric meter monkeying/diverting (with huge fines from your utility) will knock any extra monthly you got out quickly.   

- it's always good to see another Hoosier utilizing this great site!