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Im in the same position but a much smaller scale. My development ( house reno,house construction then subdivide) has me somewhat exposed at this point. I have spent all of my lock and building is about to commence adding more interest payments. Rent will not be achieved for about another 6...

I think it's important to factor in what people do with their cash AFTER the mortgage has been paid. Many live on the razors edge because of spending habits. They have no real appreciation of the what if's in life. I have more breathing space than many of my employees with far smaller loans...