I have a mortgage since Nov 2017, LTV 60%, 30Y amz, Prime+1% floored @ 5.5%, fixed at 5.5% for the first 5Y. I am hitting my first reset at 7.25% next month.

My net income yield based on market value is just below 5%. Having this mortgage contributes to decrease my profitability. After discussing the situation with my loan officer I decided to pay it back.