But ever morning for the last 2 weeks I see the 10 year T-bill up another 10 basis points or so, and the mortgage market is following suite.

Will be following this!

Be firm and follow the law, don't let her fall further behind. 

First, most investors and owners of real estate related businesses are in one or more of the following situations1- they’re unable to duplicate their expertise that drives the ROI and they are at their personal max capacity as to time2- they’re obtaining high ROI by use of excessive leverage 3 - they’re obtaining high ROI by taking excessive risk4- they hit correct timing in the correct market, and this is not necessarily repeatable with any probabilityIn order for an investment or business to scale, we need the ROI (on a risk adjusted basis) to be sufficient to cover a PREMIUM risk adjusted return to passive investors; all expenses of managing the assets and the business, and a significant return to the “sponsor” providing compensation to him making the work, risk and time worth while. 

Then at the last minute, I had a strong instinct to pull out and did not follow through.

Look at the economics / population rates & other driving factors pushing the market into the future. 

Whether we agree with these items or not, the following are inflationary government policies: stimulus, student debt relief, tariffs, increased child tax credits, limited immigration, and big government deficit spending.

Seems like a very strict penalty if this is not followed through.The CTA provides that willfully reporting or attempting to report false or fraudulent beneficial ownership, or willfully failing to report or make updates to the reported data shall be punished with a civil penalty of up to $500/day while the violation continues (up to $10,000) and a criminal penalty of up to two years in prison. 

Follow the building and migration trends.

Most of the work will be following up with warm leads already.)When you say you’re taking a job, will you be an employee on salary + commission or an independent commission only “contractor”.