Thanks for the warning, surprisingly my condo tenants are pretty long term 1 has been with me for more than 10 years and another coming to his 6th year and both just renewed for 3 & 2 years respectively, maybe its because I treat them very well. However if push comes to shove I can undercut most people in rental by 50/60% reduction and it will still be able to service the loan, worse case I'll pay the mortgage from my war chest.

My commercial units are secured with a large company with good track record, this is the debt I want to pay off first cause it will be my base of funding once I slow down my pace of work. Need another 5 years or so.