I will send you a connection and we should get a call set up to discuss.

If central then if it goes out or has issues, you have 20 people calling and mad....and you're the GUY.

Every day I mark how many calls to leads I made, how many people I contacted (and was it email, call, text) from my database/past clients....how many social media posts I answered or made, etc.I don't know if that's automating, but every week I can quickly see how much of each money generating thing I did.Do you use Google Calendar? 

The person calling you is on a money grab. you do not need a wyoming trust. 

H there, I'm a certified international property specialist and while i don't personally specialize n Costa Rica,  have several colleagues who do.  

Give me a call or send me a message!

There are HELOANS - at that juncture, your best bet is to evaluate what is called the blended rate and compare that to an entire new first lien (cash out).

There is no one-size-fits-all answer here. i have clients call me asking to lock in the maximum buy-down we can possibly allow; and others who think its a terrible idea. as other's have mentioned, i would first look at your recoupment period.

call a different agent

If a client complains, you can always make a quick call to boost it for the month and then revert back, but I have never had to do that.