Dont cut corners and get repairs done right the 1st time Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

Wait for first few fed rate cuts and refinance to purchase the next property, and onwards.

But jumping up and down shouting I am debt free while I make a video of cutting up my credit cards  is not the road I am going to travel.

In which case you may be better off cutting bait and doing something on your own rather than waiting for them to make more mistakes.On the other hand I'm curious how they are going to pay you off with such a great return if they are under performing?

I say cut the bank out, forge people relationships and win-win's.

What steps do you need to take and are you willing to take a short term pay cut to make it happen?

Miter cut corners and attached trim to mirror with caulk.

You could start saving and cutting your expenses aiming at arriving at that specific amount for a down payment on the day of purchase.

No not nessesarily but I think that this is a major income cut if people stop falling for it.

Cuts rates by about 2% points, from say 8 to 6.