re: Need help with a lump sum

Honestly, it makes me a little nervous and has me questioning if I am lopsided in my investments. (Too much real estate?)
The one I’m considering paying off is a commericial property, and I also have a vacation rental in another country that does well and is only borrowed at 3%. So between those two plus my home, I have 1.65 in real estate with about a million of that still being mortgages. The one in question is only about 1.5k month cash flow after paying the note/taxes/insurance and that would decrease next year with a higher rate.

I have 200k between my sep and Roth, and then another 25k in my child’s 529. Im 30
I know the retirement account is low, but I have certain limits each year and no matching 401k.

Sorry for all the info, I just feel like I’m hitting a wall in which direction to go with future investments and feel very unsure of myself.