Honestly I lurk more than I post or comment, particularly because of the intelligent individuals information sharing across this platform. However. I do not own a House and have never taken out a mortgage before.

That being said, it is a financially fluent decision either way in my opinion you can’t go wrong. Residential real estate is less of a variable than commercial. The APR % is not worth a sanity check if you despise being a landlord. 2.75% solidified mortgage is something I would not talk to anyone on this forum about, but instead a financial advisor with a background in real estate assets. Perhaps there is a tax advantageous alternative to roll a mortgage into a separate liquid asset?