It all really comes down to what your investment goals are.

This time of the year we are talking about strategy and goals for our REI for next year and frankly, I am not sure where to go from here.

That doesn't necessarily 100% align their goals with yours but at least they have skin in the game at that point.I 100% agree with these comments.  

To evaluate an advisor, consider their track record, flexibility, and compatibility with your goals.

They were adamant about understanding my goals and situation to ensure I was matched with a property that made sense for me personally.

Remember, buying a property is a financial decision that should align with your long-term goals and comfort.If the new lender offers a better rate and lower monthly payment, it’s reasonable to consider that option.

My wife and I earn over $350k a year in our jobs and all of that is now going to pay down debt.We have the option to increase our HELOC to unlock some more capital which I'm considering doing to try and get a good return on my money and pay down the debt faster, but given past experiences I'm not convinced it won't end up with more debt.What would you do at this point?

My wife and I are officially under contract with a new primary residence, with the goal of moving and then turning our current home into a rental.

The goal is legitimate: due to complex tax rules, you have opportunities to game the system by selling some of your investments and intentionally generating either gains or losses.

However, for longer-term profitability, flexible loan terms often have a bigger impact, especially with interest rates or repayment structures that align with your goals.