I also think, the flat rate ppl are playing to a race to the bottom. 

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.

And that will hurt the bottom line. 

I would thank him for his feedback and share that you made a business decision that is mutually beneficial (https://www.avail.co/education/articles/should-you-collect-r...scroll down towards the bottom of the page to see the comparison) which includes providing the tenant with a receipt and rent reminders.  

I view it as a tool in a toolbox to help you "trim the fat" off the bottom of your portfolio, so you can keep growing with new acquisitions. 

A high CTR is great, but if it’s not turning into bookings, it’s not doing much for your bottom line.Another key metric I’d keep an eye on is the “First-Page Search Impression Rate.”

So in my mind we are at year 13 or so from 2012 bottom. ??? 

Good listings are a people game, not anything you have at the bottom of your post.

Whether or not it's the bottom, it's definitely a buyer's market in those areas, and they are nice, big cities with major transportation centers. 

That said, I'm grateful for the alternatives you present--you're keeping the bottom line in mind, so I appreciate your help in exploring options that achieve the bottom line for the investors.