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How many hours are you currently selling? No I mean, why not look at selling your hours (not property) at a higher price? Selling is the last option to ever be considered.

How long would it take to knock over a loan? What's stopping you from selling more of your time and/or selling it at a higher price to increase cash flow?

What if the IO payments allowed you to hold another $500k IP...what would that IP have grown in value to over those 5 years compared to your $40k ? A lot more I'd say.

You're not thinking 'Big Picture' enough.

The only regret I have is not starting earlier. Its time in the market that matters.