There are some pine trees in the back yard that may need to be cut down.

I think it's still cutting it close and now I have to back track and add up all that time, so re-creating a time log.

The banks were simply cutting those off because they wanted to get rid of the liability."

Yeah @Cole Meier-Hollenback, there's nothing like cutting your teeth on someone else's dime!

I think we have to wait and see how this shakes out, but I don't think sellers are very wise to cut buyer agency fee.

Run of the mill won't cut it. 

My wife and I are realtors and I consider that a pretty simple career to fuel my investments that also gives me a sense of time freedom so we can spend as much time with our kids.  

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We are stuck because my husband makes just enough to live, we've cut every possible expense and really want to acquire rentals but can't find the capital.

Who is on the insurance, who gets to decide when to sell, when to cut your losses?