FP. Thank you for your comments. You are correct, I did not put in the equity and I didn't want to addendum it, however I have that in mind as well. I have great equity: House 365 (545k), house 404 (400K), house 237 (95K) AND 850 (primary) I have 800k equity in. My main house is in a different state than the other 3 otherwise that is a great move and all is paid for. I work very hard and long hours and much like the guy from Seattle I am ready to spend more time with my kids and wife. I realize I am VERY fortunate and willingly and freely give back to the community, church and those in need as I think this is important. That said I have a gut feeling that I need to prepare and have the option to FIRE...although I don't see myself retiring, just changing what I do or the amount I do, develop other business and have more time autonomy. That is why I give my landscape and open up for thoughts on what the best way to consolidate or set it up to be able to do this from a group of people who I respect their money values like DR and MMM. I can buy more houses, pay off debt, put it in the stock market, buy a different business...but I feel I am safest with paying off my house. The rentals, as long as rented, will pay their way and I can work enough to provide my family budget which is presently at 3600/month excluding the house payment.
any thoughts are great for consideration and helpful for my decisions.
dp.