[quote=harvey][quote]pay the least total interest at the end…[/quote]

To pay the least total interest, pay the loan off immediately.[/quote]

Why?

So I can take money out of a higher return after tax investment elsewhere just to pay off this rental property….and consequently needing to pay capital gains taxes on that sell transaction this year…

…Just so I can own that rental property free and clear, so that that my rental income ends up being really really positive this year… for which I end up having to pay income taxes on that now really positive cash flow on top of the capital gains taxes I also have to pay on the money that I need to use to pay off my rental property…

…In a year when my tax bill will end up being even larger this year versus last year due to a pretty good windfall from from my company issued stock for which I had to sell and from a W2 income that was slightly higher than last year…

..especially when with the extra income I will have, I’ll end up probably just investing it anyway rather than need/wanting to spend it?

Um, no thank you…. I’ll wait for a year when my AGI is lower, like when/if I take a sabbatical, whether it’s voluntary or forced on me 🙁