From analyzing deals to exploring creative financing, I’m realizing that success in this business is about persistence, relationships, and constantly improving. 

The scammer may promise to help the victim get out of debt or improve their financial situation, but in reality, they have no intention of helping the victim and are only interested in taking ownership of the asset.Once the victim takes out the loan, the scammer may siphon off the funds or use them for their own purposes, leaving the victim with a large debt and no asset to show for it.

Chances are if you’ve ever been to the Grand Canyon you’ve driven through it.  

If rates improve slightly, a cash-out refinance could lower your mortgage rate, but ensure the numbers work with your long-term goals.One thing to consider is your return on equity (ROE).

I am so full of regret for even giving them a 3rd and 4th chance.

My goal for 2025 is to ask for feedback from clients to improve our onboarding process.

If you know how to make rates of return higher than that, I would say it is better to invest the money than pay down your mortgage early.If you don't know how to do that, then either pay down your mortgage or learn how to improve your investment returns.

I appreciate the insight that you and John offered regarding the lack of value in the business itself and strictly the land + improvements.

Last question, how significantly would the APR improve if we leave 30% in vs 25% or 20% on a HELO? 

There's a good chance the issue(s) you face has already been discussed and answered.Ask questions in the appropriate forum.