Free option available too.    

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.

@Sino U. feel free to reach out with any questions.

Feel free to reach out! 

Feel free to PM!

I would like to get a structure for fix and flipping in 2025 so that I can do it in my free time. 

Tax free appreciation and rents significantly trump the loss of depreciation and custodial fees.

You have received some great recommendations and if you are yet to decide on an Investor friendly to work with, you can send me a DM and see if we are a good fit.I do provide free mentorship and a lot of free resources and connections to anyone I work with especially beginners like you. 

Quote from @Michael Overall: Good day, If an investor has 10 rentals and wanted to over time sell them and put the money tax free from a 1031 toward a large purchase is there a process to do that? 

I use American Tenant Screening and will call them tomorrow.