I found this from arebelspy on a similar thread about pre-paying a mortgage:
"That is, if you are planning for an SWR above 1% or so, you shouldnt prepay your mortgage (assuming inflation of 3%)."
I am planning to use 4% SWR, so by this logic I should not pre-pay anything less than 7% - unless there are some huge tax benefits I don't know about?
thanks,