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

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.

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.

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

What is your edge?

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

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.

I have no idea of the difficulties to find financing as a Canadian, but I do know the difficulties of performing a successful BRRRR in San Diego at this time and consider it very challenging and on the edge of impossible.good luck

A cool thing to offer though is if a tenant in a multi-offers to cut the grass instead of a vendor and just allowing them a credit per grass cut.