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.

Please feel free to DM me. 

Always have a clear exit strategy, whether you plan to rent, flip, or sell the property down the line.If you or your son are looking for more hands-on guidance, feel free to reach out directly.

Also, setting up an S-Corp could potentially save you on self-employment taxes, but I’d suggest chatting with a CPA to weigh the pros and cons based on your income. 

Skip the pricey coaches for now, there are plenty of free resources like here on BiggerPockets and YouTube.

You and I both know, nothing is free in life.

It's worth doing the call with them because that's free.

Here’s how using a Self-Directed IRA (SDIRA) to invest in real estate enhances these benefits, especially for those looking to diversify their retirement portfolio: Tax-Advantaged Growth: Real estate investments inside a self-directed account grow tax-deferred (traditional SDIRA) or tax-free (Roth SDIRA), meaning rental income, appreciation, and even gains from selling the property stay shielded from taxes until withdrawal—or forever in the case of a Roth!

Feel free to PM me if you have any questions.

All the info you need to learn how to deal with Section 8 tenants is online for free.