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 | 15:06

Most investors don’t have a money problem. They have a confusion problem.

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

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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

Go to https://www.passivelyrichwithrentals.com/scheduling and book a strategy call with me-  It is 30 minutes, it's free, and together we will figure out whether the academy is the right next step for you or whether you are already ready to jump into the deal bank. And start looking at live deals. 

If you want to skip the trial-and-error phase — the months of watching YouTube videos, bouncing around forums, second-guessing yourself, not knowing who to trust — book a free strategy call with me. Link is in the description. It's 30 minutes, it's free, and we'll figure out together whether the Academy is the right next step for you, or whether you're already ready to skip straight to the Deal Bank and start looking at live deals. Either way, you'll leave knowing exactly where you stand and what your next move is.

I work with a limited number of clients at a time specifically because I want every person I work with to have direct access to me, the best off-market inventory, and a fully vetted system that's already built. If that's you, don't wait on it.

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

2. Most investors don't have a money problem.
They have a confusion problem.

FREE Download: https://ladyluckinvestments.com/turnkeycheat

MORE RESOURCES:

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