@Jon Rosburg, I'm an agent for the STS, and it's true, we do have a lot of clients assigned to us individually, but not all of them are looking in each market at the same level or with the same focus/intensity. 

So I have gained so much from just participating at a fairly low level for a few years, but the people I've met and things I've learned have proved invaluable. 

I am doing this completely remotely, which has been a massive pain/lesson learned (topic for another day).I signed a very high-level agreement (i.e. expectations simply say "drywall and paint") with him for drywall and paint work at my home for a total of $10KI have paid $5K as a down payment as well as ~$2K in materials over time, as neededThere have been multiple break-in's in the home, and he has done me favors of working with the police, and boarding things up.

Responsive, knowledgeable, ownership, urgency, competency - things I haven't experienced with Home365 at any level.

Now, on the inverse, I’ve been calling out insane rent growth on a local level especially because we have a ceiling of wage growth.

On a Fannie Mae loan, your scenario has a major Loan Level Price Adjustment (LLPA) of 4.125% for a second home with a loan to value of 85.1% to 90% plus a hit of .75% and another for .25%.

To now say that you have to negotiate with the negotiator is a level of XXXXX that needs to be taken out and shot.

Find what fits your desires, goals, or enjoyment levels and run with it.

I've used ClickFunnels and High Level platform.

Straight am doesn't add that much more for you while IO adds a level of complexity and seller convincing that's unnecessary.