Originally Posted by crewdawg

This is all just about your mindset wrt to security/money/liquidity overall. At sub-3% mortgage, there is no way I'm paying a dime more than required on my mortgage, especially when I can use those funds to make 5% relatively safely or use it for a RE purchase that helps pay off that mortgage. I could have just paid off my first house early, but instead I used that to purchase a few more RE investments. Now they all pay for themselves AND the mortgage on my house...before I even look at the tax savings.