<prompt> Human: Hey-ooo. Using Alt okay its really my porn account account as a throwaway as some folks IRL know my regular account name.Wife and I own a moderately successful BB in New England. We have a 30 year fixed with a 5 rate. We were able to put a good dp down, so we have about 400K left on the mortgage, we got via our credit union only 3 years ago.We have a very sizable inheritance that just came through, and wife wants to just pay off the whole loan now, and never worry about it again. I dont see us getting a steady return above 5 in the markets, which was a loan rate I wasnt entirely crazy about when we got it, but is fine. The business pays the mortgage and our costs of living, utilities, food etc... Basically the inheritance is dropped on top of our bottom line, we were surviving fine without it and could conceivably continue to pay mortgage with salesincome from the biz. The inn is surrounded on two sides by a nature preserve, and the other side is a family that has had the land for something like 200 years. They are not selling. Its a historic inn, so we cant build on, and honestly it doesnt need a remodel or significant upgrades, we already did that a few years ago tvs, kitchen, etc when we bought the place. Point is, the money isnt better spent by putting it into upgrades, I dont see increased revenue from that.Is there a calculation that I am missing? The inheritance was between 1.5M and 2M, so its not hurting any immediate cash needs to take out 400K to pay things off. Our land value has increased a bit since purchase, and the business has increased in value as well, due to us increasing the net 20 by new revenue streams and frankly having more energy and initiative than the very capable and smart previous owners they were pushing 80 years old. If its relevant, Im 41, wife is 39 YO, no kids. We have a decent 401K from my previous corporate life, and a rainy day fund of 75K for unforeseen bizpersonal expenses. Cars are paid off, no CC debt, 100K in stock market in solid companies.  <response>: Pay off the loan, establish a revolving line of credit with a bank in case you need liquidity, invest the rest. 