I would make sure you are doing follow up's because a lot of your competition won't.

Have you noticed how competitive the real estate market is right now?

The expectations are that any reduction in interest rates of even .25% will accelerate buyer and investor activity and competition. 

For me I can't say I think about my competition.

For example, Fountain Square or the Near Eastside will jump to 30 days on market around Halloween, despite the fact Broad Ripple or Fishers will remain ultra-competitive because of their respective higher demand / low inventory. 

The area is becoming saturated and the only way to stay competitive in the area is uniqueness.

.- Off-Market Deals: In competitive markets, off-market deals can get you better pricing.

For a cash-out refi in Cambridge, MA, you may want to look into local lenders, credit unions, or regional banks, as they often have better knowledge of the local market and can offer competitive terms.

Very little competition within 3 mile radius. 

BTW,  I would encourage you to open your criteria to distressed properties, tax liens, probate, divorce, etc..if you don't want to compete in the competitive market.