The math of early mortgage payoff vs. alternative investments

Is it better to overpay your mortgage or invest that same money? It's pure math. If your mortgage is at 8%, by overpaying, you get a guaranteed 8%. However, if an alternative investment (e.g., dividing an apartment) generates a 12% ROI, overpaying loses its point. Solving this puzzle requires precise entry points. You achieve the highest ROI rates by cutting unnecessary expenses – going directly to sellers to negotiate a better price.