You tend to see these short cuts taken more frequently in lower valued real estate where it can be  difficult to make the numbers pencil if you are following all licensing and permitting requirements.

Got a second opinion from a CPA, who said he never heard of a title company doing this before.Title company now suggests using their partner firm who meet their requirement, but can't provided an explanation for why they can't cut the check to the IRS.

Get rid of that car payment completely and cut that CC debt down.

That isn't enough equity to move the needle now and since you are on a 5.75% FHA, your payments are probably still pretty high comparatively which might cut the ability to save more.

On the other hand, a 25% cut is too high, considering what she does is what a broker should do; she doesn't provide me with any leads.

Curious how quick rates will likely fall on mortgages once fed does start a cut? 

There will be no significant cut in interest rates, because the Fed can't cut rates; inflation is still running hot.

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Good.The Weekly 3: News and Data to Keep You Informed- “On current facts, a rate cut in June would be a dangerous and egregious error comparable to the errors the Federal Reserve was making in the summer of 2021.

Hi ST King,The price increases with insurance and taxes has certainly cut back our cash flow on many of our properties, but fortunately rents and rental demand have been pretty strong going into 2024.