This will lead to many of the professionals in the same industries who already are not doing that well to fall out of competition and hence be "replaced'.

Was not a heavy rehab but it was outdated inside and out. 

When cycle gets tougher then those marginal agents sales dry up and they go back to that j-o-b especially since they did not save and spent all their money on trips, bigger houses, nicer cars,etc.Good LuckI hope you are one of the few that make it long term. 14 years in the business and still having record sales year after year.The best nugget of info I can give is constantly out learn your competition.

If rates come down at all I predict we’ll be back in a strong sellers market (competitive offers, steep appreciation etc) because inventory is still low. 

I had a distinct advantage over my competition who had to do their own courthouse searchs.

Schwab Pledge Asset Line is competitive.

While it's definitely doable here, our market has gotten pretty competitive over the last few years.

This is becoming more true for government employees clearly given the recent "Use It" act which will require 400,000 government employees to go from a remote to a hybrid role which started in January of 2024 and will continue to ramp up as time goes on (Source 1, Source 2)This trend will continue as companies realize more increasingly they need to be at least hybrid to be competitive.

What is the true marketing channel Whether it’s direct mail, cold calling, networking, or something else, I’d love to hear what’s been working in your market and how you’re staying ahead of the competition.

So invest in some kind of real estate like apartments that need heavy lift and get the bonus.Otherwise life settlement partnerships can also give you big deduction year 1.