there are no magic secrets when it comes to marketing.. the key is to consistently get your message in front of potential sellers.

@Jennifer Lee If I was the Seller, I would be suspicious of my Listing Agent if they magically found another Agent on the very first day of listing with a Buyer prepared to pay the full (Listing Agents) asking price [especially if it came to light that those two Agents were already friends].

ROI on paying down your mortgage early will be exactly equal to the interest rate on that mortgage, before considering tax implications.So if it's "put the money in a savings account" versus "pay down my mortgage," you pay down the mortgage.With the caveat that a cash out refinance also has closing costs.If there's somewhere you can put the money to work for better than 3.75%, especially if it's cheaper to liquidate it from that other alternative vehicle, you do that.In general, I think that if your goal is to pay down your mortgage JUST SO you can do a cash out refi later and for no other purpose, you've been maybe oversold on the magic of the cash out refinance. 

People don't magically start behaving this way. 

Laser Focused Daily Activity, that's the magic ingredient.

Marie Poe said about land trusts and LLC"Google Magic" you can read a ton on it...

There is no magic pill or book, business strategies are part of being in business. 

The magic of stepped up basis!

If someone won the lottery does that suddenly given them magic insights they didn't have before?

But i dont see agents magically going away, at least not the good ones who bring value.End of the days the best agents are "connectors" , their ability to put people together is really the differentiator in the market.