I think the 10-14% rate is where it will be for the next five or so years personally so plenty of opportunity

While personal circumstances can vary, it will be a unique situation indeed if $10K in debt should force you to declare bankruptcy. 

That is how I've operated for years, well before the NAR fiasco and as agents, we have always been advised from referring to status quo, standard, typical, etc when it relates to commissions.It continues to amaze me how many buyers/investors believe the agent value is finding them "deals."

If you see work crews reaching out, ask the person in charge of securing housing where they go looking.

I have only heard of it happening one time personally..

Also I am referring to a single ADU on a SF zoned lot.  

There are many resources for you to connect online and in person.

best of luck. make sure you are speaking to a knowledgeable person in your area as you might be getting false information

I don't have personal experience with it, but when the app was first developed, I contacted the developer and put the app through a fairly robust test usage to see if it's something I would want to recommend to my clients (I'm a CPA).I think the app is great for its intended purpose and I do recommend it to my clients now (and have for about 18 months now). 

@Dustin Horner you should be contracting maintenance work and creating a preferred list of vendors as @Phillip Austin has recommended.The first person you hire to help you should be to handle what you LEAST like to do yourself or has the greatest time savings for you!