@san_chise @JO7eth @IGamecast @Austen I'd say it's almost always better to invest cash elsewhere vs. paying you extra on a loan. All you're doing is just tying that cash up now until you sell or do a cash out refi when you could be making your cash work for you by investing it elsewhere.
@WtSchoolShldTch@thesamparr There's more ways that what you think, some more complicated and riskier than others. Probably the easiest is buying a value-add property that you can force appreciation, raise rents, and then borrow against that equity to buy the next. Repeat.