I find that its different for me each time because of various other circumstances of my financials. 

Unfortunately this was held way too long due to a number of factors, including COVID, city planning and permit delays, delays in construction and materials, and additional delays by city.

I have done all of the those, based on the circumstances.I also can't count the number of times in mandatory training / continuing education that I was told that we were never, ever, under any circumstances to discuss setting "standard" commissions with other agents. 

Unfortunately it is not so simple.

Plus you are married and under these circumstances the underwriter would ask why and ask for a divorce decree or reason for separation.

The gov signed into law some legislation that is unfortunately good for insurance companies/bad for anyone making a claim but that brought companies back in the market at the increased competition drove the rates down.

Unfortunately, filing a lawsuit is not a viable option for me due to personal circumstances.I would greatly appreciate any ideas or guidance on how to navigate this situation.

While places like the Exumas, Turks and Caicos, and Caymans are gorgeous, they are unfortunately out of my personal price range.Here’s my short list:Utila, Honduras - I loved this island.

Unfortunately, you're right about HELOC rates being around 9%.

Unfortunately this was held way too long due to a number of factors, including COVID, city planning and permit delays, delays in construction and materials, and additional delays by city.