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

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0:00 | 14:43

1. Thinking about buying your first or next rental property?

If you’re planning to invest in the next 3–6 months, the best next step is to book a free strategy call with me:
 https://api.leadconnectorhq.com/widget/bookings/ladyluck

OR

2. Still learning and want to see what a real deal looks like?

Watch me break down a real $135,000 rental and grab the calculator:
 https://ladyluckinvestments.com/dealbankwatch

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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

1. Want to know exactly which market fits your numbers and what to buy first?

APPLY TO WORK WITH ME: Book a free strategy call and we’ll map it out together:
👉 https://www.passivelyrichwithrentals.com/scheduling

2. Want the step-by-step system first?

Out-of-State Rental Starter Toolkit — $47

This shows you exactly how to find, analyze, and buy your first out-of-state rental using the same system I’ve used with 2,000+ investors:
 👉 http://ladyluckinvestments.com/offer-outofstate-3

MORE RESOURCES:

  • Protect your rentals the right way and form your LLC fast: {CLICK HERE}
  • Create extra cash strategically so you can invest faster: {CLICK HERE} 💰