I can borrow at a better rate (3.5%), but it's not fixed (5% fixed). Only bennie for me is having the primary domicile debt free again. My tin hat motivates me in that regard. I only live near a Holiday Inn Express (I really do).
Boss, the only thing holding me back from that is the time to do the work myself. That was always the goal, to continually build my property portfolio and use sweat equity. I'm out of time with day light savings coming to an end soon. Would you pay the price and hire a crew to do it instead? That would cost me 3 times what I could do it for.
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