Of those, ~6 carry a balance and maybe 2 late payment across all of them.Closed credit cards are close to 30 each.They are both older/ retired so some date back to 2005, and are a multiple 6 figure salary.Credit is low for both of them, so I was going to reject, but was just slightly holding on due to the high net worth.Thanks

but, it's still making me nervous that:1. you may try for so much leverage, and2. that you're regretting having money "tied up" in retirement accounts.having money in retirement accounts is a good thing. 

I am 63 years old and plan to work beyond retirement age as my work doesn't require any physical demand.

We are on target for retirement for our age and at least $250,000 in equity in the 1st house on top of that. 

I have 95k in retirement funds.

Have you run across any public available plans for retirement or nursing communities?

Example:  If you have a $900,000 home value with a basis of $500,000; plus your getting ready to retire or its only the two of you and you can change neighborhoods to a lower price community. 

Quote from @James Stout: Your plan makes sense—paying them off early will save a lot in interest and set you up for strong retirement cash flow.

My parents are retiring in a year and are considering selling their house and buying or renting a place close to me and a place close to my siblings who live in another state.

I then “retired”.As I was losing this passion, I came on a different passion.