I still carry way too much debt. However, I am lucky that some of my mortgages did not have escalator clauses which stopped the rate going down too much......they were convertible construction loans which started around eight percent and could go up to 13%, but they have dropped to 3% and everything is cash flowing. I certainly do not want to see interest rates going up...........but they can go up only 1% a year, and we can cash flow at 7% so no big deal. I am paying the business loans off by October however, and with the exception of parcel of land where a small balance remains, we are getting close to debt free without fixed rental property income supporting the rental mortgages. It has been a massacre on the bottom line however over the last six years......I have lost more than some make in a lifetime, and again....never happier.