A Dilemma Primary Residence Burden.

[Rich Makijew]

BP experts. My current situation is as follows.

Having a current mortgage at 5.125% on my primary residence with a balance of 285K in CA. Having 3 rental houses paid off in AZ. Equity roughly 650K. I'm 68 years old and retired. Income about 53K/year. Credit score 720.

Trying to figure out what could be the best bet on the 285K burden. I was considering this process called Fund & Grow but I was not fully convinced that it will work for me. Considering the current situation what would be my best options. Thanks in advance.