I was curious as the rates seem to be up to 2% lower (in some cases) so makes the re-payments nicer haha.

Yes, it takes some cash to get there (about the price of a BS degree today) however, I have the BS degree and work at a job that will allow me to repay my student loans in about 15 years (wohoo).Now the NVREA degree.  

But I wanted to point out to other readers that they really need to remember your situation in the Gulf Coast is unique and may not apply to other areas. 

The speed of repayment will not impact your score.

After five years of being in the same 8x8 block area in two zip codes you get to know the good, bad, abused, valuable, those houses that are unique or special for that area (meaning they will rent quickly). 

Our loan in on a 15 yr repayment schedule.Our duplex and MHP are too new to have a full year actual income calculation, but things look quite similar.

Repayment of the loan would be an automatic after-tax payroll deduction.

I hate refinancing when you get close to pay off, but since I borrowed the money for the down on the house I am reselling from my rehab fund and emergency fund, I would like to repay those and not just reinvest. 

Tenants do pose unique situations to all owners/investors and so I was simply deciding if I should enforce my lease and systems or allow the tenant to decide how things should play out. 

I want to also point out that I am not looking at this property as uniquely investment (since I am living there), so if I can live there for free then I am also making money.Here's where a little bit of the weirdness starts.