Steven,One more point to consider is that historically speaking interest rates on debt are low and there is value in the ability to lock that much money at 4.75% for 30 years as who knows where interest rates will be in the next 3-5 years it sure looks like they are trending upward.

Then I agree with Greg, what's the urgency to pay out a low interest loan, when all the surplus money burning a hole in your pocket each month could be put to better investing use? 

Residential market is very low on inventory generally, especially stuff within the first-time home buyer price bracket.

It is located in a park, I am planning to sell it Handyman special and by payments, low price

If you are going to buy you ought to buy apartment complexes or 3 or 4 unit houses and be a home hacker to get you started if your cash is low and you want to deal with a Bank that does that type of loan.

Easiest is to house hack either multi door or single door using FHA low down, move every 2 yrs and repeat. 

You might find someone willing to lend you money if the loan to value is low.

For the first three options you want something with low volatility that will beat inflation, so TIPS or a money market.

The total credit card debt I have left, i've calculated that it will take me 6 months to pay the rest off if I budget correctly minus my student loans which the interest rate i have it super low its like $100 a month.

The entry point in these markets are low and rate of return is much higher.