<prompt> Human: Hey Reddit. I am a two year lurker and first time poster. I am a 30 year old teacher and my wife is a 27 year old teachers assistant. Together we make 75,000. We do really well at living below our means. Each year we have an extra 17,000 to get ahead and build wealth. We have no CC debt and one year worth of emergency expenses saved up. We currently have a rental property with 76,000 left on the mortgage with a 3.25 interest rate. There is 10 years left on the 15 year mortgage. The property has enough cash flow to cover mortgagerepairs.We also own our primary residence. There is 130,000 left on the mortgage with a 4.5 interest rate. We have only been paying on this home for a year, so there are 29 years left.I currently also have 10,000 in a 403b through my employer. They offer really inexpensive Vanguard and Fidelity funds. However, there is a .3 annual expense fee on the account that caps out at 300 per year.In my eyes, here are my 3 options:Option 1- Use the 17,000yr to pay off the rental property. Even though the interest rate is low, we could pay the rental off in 3 years and use the extra 9,000 a year to pay off our primary residence.Option 2- Use the 17,000year to pay off our house. We could pay off our house in 6.5 years. Once our house is paid off it would only be a few years until the rental paid itself off.Option 3- Use the 17,000yr to max out my 403b. Let the mortgages pay themselves off over time. I understand that in the long-run I would probably earn more in the stock market than I am paying in interest on the loans.If you were in my shoes, what would you do?  <response>: Max out tax advantage accounts before paying off the mortgages imo. 