Obviously I don’t have your numbers, but I would consider refinancing your primary to a new 30yr up to $417K, taking cash out and paying off the rental.
(Rather than selling the rental, paying taxes on profit
and paying off primary)
I don’t get the concept that retirement means having no mortgage payment. Creating income works well for many.
Equity doesn’t earn anybody much.
Not a concept for everyone, but I’ve seen this work miracles for some who didn’t think they had cash flow options.
