Again as @Michael Plaks mentioned this is not a political forum, there is a chance if the Republicans win there could be a tax cuts and jobs act 2.

And what I find out is there is no context to them folks dont take the time to explain what they want.. also on the form i get from BP it cuts off the e mail address if its a long one so I cant even e mail them back..

Sure bud, I'll just let you cut in front of a few hundred clients that I have.It goes both ways. 

He says they are very easy to pierce and show you’re behind it, so don’t waste your time with that.

Conversely, you will run into people on your list that just seem to be a waste of time, so you’ll want to avoid them.

I'd suggest you sit down and go through your monthly expenses and see where you are spending your money and if anything can be cut. 

Is it so bad/risky to look beyond the interest rates in and of themselves and to try to cut down on the overall interest owed over the lifetime of the loan/line in this way? 

You can be good enough at REI that people will give you their money to invest with them giving you a cut of the profits, or wholesaling where you find a buyer to assume your contract before closing. 

Agreed, Airbnb is in the business of renting out your place for a cut. 

I've considered selling to investors, but I'm concerned they might want a substantial price cut, which is why I'm trying to sell it to residential buyers first.