Would it be better to invest or pay down mortgage?

[gwhiz_612]

You could also consider becoming a private lender to real estate investors. With the banks tightening up on the loans right now, you could easily get short term returns (1-5yr) of 11-15% or more . Look into it on some of the REI forums link. Of course don't do this on a whim, research it and then decide if it fits your plan. Alot of people don't even realize that this avenue of investing exists.