Yes their rates are steep, but that's hard $$$ for you.

.- Low Interest Rates: Competitive interest rates make property ownership accessible, especially for those with stable income like service members.- Military Presence: With U.S. military bases across Germany, local banks are accustomed to assisting service members with financing.How to Qualify1.

Admittedly, my properties were mostly in the path of gentrification, so overtime was moving effectively getting rid of my section 8 tenants and going with better qualified, higher rent paying market rate tenants. 

Ton's of people with golden shackles of sub 3% rates, epic net shortage, skilled labor shortage, on and on. 

Hoping at some point the interest rates drop!!!!

If the answer is yes, then it's a no brainer to make minimum payments on your 2.8% interest rate mortgage, and use the funds that you would have paid extra to pay it down faster, to either invest in more real estate, the market, or anywhere else where you can get a ROI > 2.8%.If the answer is no, then feel free to aggressively pay it down as fast as possible, to become debt-free faster, and just have a large amount of money in savings or to splurge with.The bottom line is that your 2.8% mortgage is GOOD debt.

Landlord friendly laws keep you safe(ish) from legal disputes with tenants and there are pockets in both markets that are appreciating at solid or better rates.

This decision has been made due to record-high interest rates and the worst Real Estate economy since 2008.

When you give your phone number to any business, bank, grocery store for discounts and on and on, it becomes available to data brokers.

Owner-occupied commercial properties generally get better interest rates and terms when compared to pure investment properties.