Over time, they raised prices, cut the lead amounts, and had their Internal telemarketing team make the first contact and then tried to "warm connect" us.

I strongly  encourage to share this information  and write an email and letter to as many state representatives and the governor to veto this bill or reverse  it.AB 2424 (Schiavo) lender does not benefit they only get what they are owed including all fee's etc.. benefit will be next in line and or the owner who lost it.. this will also cut down on the collusion that takes place at trustee sales. 

Treasury notes increasing have already erased the very short-lived drop in rates and now they are even higher than before the FED cut. 

I cut the wholesaler out.

But maybe I have to cut my losses.  

Yes, you can cut your hair yourself, you can floss and deep clean your teeth too , also prep your own avocado toast with your own squished Orange for drink.. 

The would mean you are now spending $400/mo on your housing cutting your monthly expenses by $600 or adding $600 to your income each month not to mention tax benefits and appreciation.I think once you have a house hack, you look into buying a value-add property and BRRRRing it.

It flooded out the bottom floor to the point of needing flood cuts. 

That doesn't cut it for me.

To be 99th percentile you need a Bowling Alley AND a laser tag arena INSIDE the house.So it comes down to goals.