Then I would refi a valuable rental and pay-off any other adjustables or higher-rate loans.

If you don't know or understand, teach yourself, and/or get someone (who has no financial interest) to mentor you.Good luck.

Tax his tractor, Tax his mule, Teach him taxes Are the rule.

Notes are not easy to learn and until you go through the process it's not something you can teach.

Also, it may be more valuable to use M2M in "tenant-friendly" states.

I can't even touch any of the money in it until I'm 59.5 or I separate from the district I teach in. 

As important and valuable as the rest of the team is (e.g.

A lot of SFR neighborhoods around Paine Field have already been rezoned for high density multi-family residential, although the structures are too new and valuable for a teardown/redevelopment.However, the unincorporated county is on the verge of making it a lot easier to convert SFR into duplex: The lot-size requirement is currently 150% of SFR, but this is about to drop down to 100%.

Thanks for all the valuable information, I will keep on investigating and get the ball rolling as soon as possible.

Cash is far too valuable to have it sitting around dead not earning it's keep.Cash sitting in a rental property does not increase cash flow it decreases it.