Hi all,

My husband and I recently bought a new house. We're wondering if we should pull money out of our brokerage to put $$ towards principal.

First house (rental): 10 years left on mortgage (2200/month, including taxes, 4.5%), generates 2800-4000/month, depending on season and use-type (seasonal, tourism area).

Second house (where we live): 30 years left on mortgage (5400/month, including taxes), occasionally generates 1-2k/month via a backroom airbnb we rent out. Seller-financing at 6% with balloon after five years (can likely continue with seller, or go to bank). Can put up to 50k per year towards principal.

HHI (no state income tax state): 215k-250k/year depending on work, raises expected every year with a large raise in 5 years (state job)

Retirement (Roth and 401k): 500k

Brokerage: 400k

UTMA for kid: 50k

Expenses: low-ish.…