Real Estate Investing with Coach Carson #467: Should I pay down debt or buy more rentals? (Best of CC)
Dec 26, 2025
In this engaging discussion, Arion Shihai, known as the Investing Architect, shares his insights as a real estate investor and consultant. He tackles the tough question: should you buy more rentals or focus on paying down debt? Arion emphasizes the importance of aligning investments with personal income goals and lifestyle choices. They dive into strategies for transitioning from acquisition to debt payoff, discuss the benefits of using rentals for lifestyle changes, and highlight the critical milestones in an investor's journey to financial freedom.
AI Snips
Chapters
Transcript
Episode notes
Shift Strategy When You Need Income
- Turning equity into income changes the optimal strategy from growth to income generation.
- Paying down rental debt raises nominal income even if it reduces percentage returns.
Act Like A Retiree When Risk Feels Costly
- Act like a retiree when your tolerance for risk falls and you value stability over upside.
- When that psychological shift happens, prioritize paying down debt to protect income and peace of mind.
Monetization Is Timing, Not Age
- The decision to monetize isn't tied to age but to when you choose to behave like a retiree.
- Mini-retirements or sabbaticals are valid triggers to shift from growth to income focus.