I’m also open to exploring short-term rentals, private lending, or passive investing in funds—anything that maximizes returns while keeping risk and time commitments manageable.For context, I’d consider leaving my job if this could become a full-time venture that surpasses my current compensation (low-mid six figures).

Bronson Hill created at fund of funds and invested through Dave Zook at the RealAsset Investor.  

Idle money is the quickest path to low returns and does no good for anyone.

Rates that low don't make sense especially if they're a no doc shop.

Quote from @Deborah Wodell: I’m looking to connect with private money lenders or investors who lend their own funds for real estate deals.

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 the laws and regulations here are very different, not very strict like the states.Prices are high and rents are low over here.

@Stephen FlemingFrom my experience working with over 400 investors, your strategy of leveraging a low mortgage rate, tapping into home equity, and diversifying with a short-term rental (STR) in Northern Michigan is well thought out.

Rents have been pretty close to what the housing authorities advertise, sometimes even a bit higher.Fort Wayne’s a solid spot with low taxes and good cash flow—definitely worth looking into.

The current status of the market is low end rentals land lords that let the houses look like crap.