We went through the accumulation phase and then added value with a couple of subdivisions. All loans now P&I, with an average of about 10 years to maturity. Cash flow is OK. Have to confess we did not spend enough time thinking about the end game. But I am now. Deductible debt will start declining at a faster rate. Haven’t borrowed for a while, assume it’s harder as we approach retirement. What other issues are there as loan maturity approaches?