Keep the ears open and the circle small, not to say that collaboration isn't a good tool.

All good options but I'd prioritize what type of loan you have on them and how a refi would impact their cashflow

Maybe in a big city like Phoenix the police can't prioritize the calls.

A lot of times salespeople will give up on their ghost clients, which obviously pretty widely accepted as you have to prioritize where the money is coming in from, which to me means they don't have the right mentality.

Automated underwriting, online platforms, and blockchain applications are reshaping lending processes, fostering collaboration between private and hard money lenders.NPLA and AAPL Perspectives:3.1 NPLA:The NPLA has been a key influencer in advocating for ethical lending practices and fostering industry collaboration.

I moved to Sycamore, IL two years ago, and I'm looking to connect with more local investors to collaborate and help each other out! 

Even though it's only been a few weeks, great thing about collaborating with like minded peers is, having group synergy that helps push everyone to do more than they could, operating alone (kinda like the peloton in a bike race). 

Looking forward to the possibility of collaborating or simply exchanging ideas!

It’s great that you've started saving a bit every paycheck — that's a solid start.Debts: Prioritizing your consumer debt is wise.

Prioritize building a solid financial foundation, continue learning, and adapt your plans as your family's needs evolve.