You could benefit from meeting with folks that are actively applying theory into practice which could help clear up the mental fog you're experiencing. 

The customer quickly stated that since the paint job bid money was exhausted, he now would be paying $100.00 a day.

It would only make sense to exhaust this option first as it is my investment.

So I get good mental exercise here, or try to, while getting some added REI "fix" and if I can get challenged that's just extra credit, as is learning something new is icing on the cake. 

The cost to furnish and get a place market ready is stressful, exhausting, and expensive.

To understand this gap, I would love to get my hands on a mutually exclusive, completely exhaustive list of activities a realtor does as part of their 3%.

I oppose their mentality. 

So you have to refinance to take out cash after you have exhausted your line of credit and reduce rate and go back to one loan.

It seems Kris cares far more about helping people have mental shifts and re-framing negative situations than he does spamming relatives on social media about why they need to be apart of his down line.

i'd call a bunch more lenders and at least have one more appraisal done unless you truly feel you've exhausted the refinance path.