Passively Rich with Rentals

Rental Property Debt: When to Pay Off vs When to Buy More Properties

Melissa Nash Real Estate Investor & Coach Season 2025 Episode 39

👉 Watch me analyze a real $135K rental property in under 10 minutes:
https://ladyluckinvestments.com/dealbankwatch

Should you pay off your rental properties or use that cash to buy MORE? This is THE question I get from clients constantly—especially Dave Ramsey followers who are terrified of debt.

In this episode, I'm breaking down:

  • My personal Real Estate Snowball strategy (how I'm paying off 10+ properties in 7-8 years)
  • The "lazy equity" trap that's costing investors millions
  • Real math: How 1 paid-off property can become 4 properties worth $1M in 10 years
  • When to be in the "buy, buy, buy" phase vs the "pay off" phase
  • Why your tenants are literally buying you free houses

Whether you have 1 rental or 50, this episode will change how you think about rental property debt.

EPISODE RESOURCES:

🎁 DOWNLOAD YOUR FREE REAL ESTATE SNOWBALL CALCULATOR Run your own numbers and see exactly how long it will take to pay off YOUR rental properties. This is the exact tool I use to plan my 10-property payoff strategy.https://www.skool.com/passiverentals-free/about?ref=podcast

🚨 FREE Real Estate Investor Resources

👉 Watch me analyze a real $135K rental property in under 10 minutes:
https://ladyluckinvestments.com/dealbankwatch

Join My FREE investor community: https://www.skool.com/passiverentals-free/about?ref=podcast

Apply for 1-on-1 Coaching: https://www.passivelyrichwithrentals.com/scheduling

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Want to learn more? https://www.passivelyrichwithrentals.com/