For that, you'll realistically need your own node. Even with your own node running, you're not going to avoid costs completely.

Phoenix may charge 1% or more, but a lot of that is due to on-chain setup costs. If you run your own node, you can purchase a channel through Magma/Hydro that matches how much you are likely to receive whereas Phoenix will struggle to predict how much liquidity will be required to service your needs.

Setting up a node will cost ~$400 in parts plus a lot of learning or it can be run through voltage for ~$30/month and less learning (and less rookie mistakes, probably).