TBT: Ask Marco - Should I Pay Off My Rentals?

Passive Real Estate Investing

Real Estate Investing with Marco Santarelli, Investor and Entrepreneur.

Business:investing, Education, Entrepreneurship, How To, Investing, Business

4.8 • 953 Ratings

🗓️ 27 November 2025

⏱️ 16 minutes

🔗️ Recording | iTunes | RSS

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Summary

Click Here for the Show Notes In today’s episode, we tackle an important question from listener Lindsey: “Should I pay off my rentals?” Lindsey already owns multiple duplexes and a quadplex, but she’s wrestling with a common dilemma—keeping debt low versus using leverage to accelerate passive-income growth. We break down key factors like your goals, timeline, equity, and the role of good debt to help you understand when paying off properties makes sense and when growing your portfolio may be the faster path. If you enjoy episodes like this, be sure to subscribe so you don’t miss the next one. Tune in now! -------------------------------- Throwback Thursday Episode (The episode originally took place in the year 2020) This episode is part of our Throwback Series and may include references to older content such as web classes, events, promotions, or links that are no longer active or available. While the conversation and insights still hold value, please note that some information may be outdated. -------------------------------- If you missed our last episode, be sure to listen to The New 50-Year Mortgage: Genius Strategy or Financial Trap? Download your FREE copy of: The Ultimate Guide to Passive Real Estate Investing. See our available Turnkey Cash-Flow Rental Properties. Our team of Investment Counselors has much more inventory available than what you see on our website. Contact us today for more deals.

Transcript

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0:00.0	Welcome to passive real estate investing, the show where busy people like you learn how to build substantial passive income while creating wealth for the long term.
0:09.7	And now, here's your host, Marco Santorelli.
0:13.0	Hello, my friends. Welcome back to passive real estate investing, where we dive into the world of real estate investing, among other related topics, to help you with your real estate investing journey.
0:23.5	Today, we're doing something a little different.
0:26.2	We're going to take a trip down memory lane and showcase an important episode from the past on what we call our throwback Thursday episode.
0:34.6	Now, whether you've been with us since the beginning, which goes back to 2015,
0:38.8	or you're tuning in for the first time, this episode is a must listen. We are revisiting one of
0:45.3	our more popular episodes from the past. And believe me, what we discussed back then,
0:50.5	whether it's six months ago or six years ago, is just as relevant today. So sit back,
0:56.5	relax, and let's rewind the clock for this great episode. Enjoy. So today we have an interesting
1:02.6	question from Lindsay and Lindsay asks, should I pay off my rentals? And I assume that is for
1:09.1	cash flow purposes. So Lindsay writes in and says,
1:12.2	Hi, Marco. First off, I really enjoy your podcast and thank you for providing such great
1:16.0	content. You're very welcome. My question is, I currently have three duplexes, a quadplex, and I am
1:22.4	closing on another duplex next week. I do not like to have a lot of debt, and my end goal is to gain enough
1:28.9	passive income to be able to not have a typical nine to five job. That's a great goal.
1:34.7	If I have the funds to pay off the rentals, would you advise that? I have funds in the stock
1:40.4	market, but I am not very risky, and it makes more sense to me to pay everything off.
1:47.1	I also have been taught that diversification is key, i.e. stock market and rentals. What are your
1:52.7	thoughts? Thank you, Lindsay. Lindsay, thanks for the question. These are good questions. You have a
1:57.4	couple of them in here. So let me start off by saying that I don't know your
2:02.2	age, I don't know your income goals, and I also don't know your investment time frame. So I need to
	...

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