I look at it as saving the rest of the existing members and myself headache. 

There was an article published in Sept 2024 that showed the average consumer would save over $10,000 by working with a broker vs a direct lender over the life of their loan. 

The year of the purchase I saved money like a madman and saved roughly 22k.

It will probably save you a lot of time and headaches to go that route.

I'm hoping you can save me some time from re-creating it. :)

A follow up question I now have would be do you think its smarter to completely pay off the first property before buying a new property or to keep going out and buying new properties once i have enough saved up for the down payment along with extra fees?

If you plan on moving do something else in the meantime and build up income/savings

Do you have savings besides that?

If appreciation and scalability are your long-term goals, consider house hacking or saving for a bigger market later.

I just want to get financable this year - pay off debt, save some $.