Off market is really just a marketing term. 

This TDR is a new program that has been in development for 30 years and should ignite into an active free market for credits this coming July 15.

Set a goal for yourself based on your needs, your location and your market and shoot for that.

I enjoy tenants turnover ever few years for the reason fair market rents tend to increase significantly year over year. 

Isn't this happening in many markets thought?

While I don’t own investments there, I’ve explored the market and see potential for some long-term growth.

Did you figure in the cost of the other tenant paying less than market rent until you can get them up to market rent or replace them with another tenant and how long that will take?

Rental demand in our market is off-the-chart; the shortage of properties continues to hit historical lows year-over-year.

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.

It might take a large financial institution with capital for “brainpower” and marketing, and financial and reputation strength to design as well as create a trading market for this type of security.