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.

He puts a lot of free content out there to learn from.  

Even if a software is free or cheap, it's the time investment getting things set up and then tweaking it for the first few months that is the real "spend".

I work 11-12 hour shifts, five days a week, in a demanding role, leaving me with little free time.

Google the term UBIT.Tom Wheelwright has a chapter on why you don't want to do this in his book Tax Free Wealth.

Some lenders offer creative solutions, like a cross-collateralized loan, where they use your existing equity as security without refinancing the duplex.Another idea is partnering with private lenders or exploring a second-position mortgage, depending on your lender's terms.

One thing I’d stress is the significant difference between Detroit proper and the surrounding metro areas.

I also mentor 7 friends, family (free).

I faced numerous hurdles and stressful moments, but I persevered and built a successful approach.To tackle this challenge, I recommend starting early by building relationships and seeking investors.

A free seminar, a low cost workshop, and an expensive mentorship program4.