Optimizing that growing dowry/downpayment can be shifting all excess funds to a high-yield money market account, or a CD. 

It isn't currently available on the iPhone app, so you'll have to use your browser to access it.If you are on Android, it is live now.Upper left corner is three stacked bars above the word Menu.

You are both competing against financial advisor networks that want people to put money on Wall Street or in some crapola product to optimize their commission.

We had an issue where PMs weren't showing in the nav menu and we corrected that yesterday.

Is it optimal? 

Everything is optimized for remote monitoring these days - I even learned about some cool phone app-operated mouse traps in another thread I posted.

This isn't a mandatory step and it's more of an optimization later on down the road.The best thing to do when starting out is to just analyze deals.

This method is called Home Equity Optimization.  

Those alerts can also be seen if you mouse over the "Inbox" on the upper right menu bar and scroll down.Be careful on the site.

I'm happy to contribute as well, I'm a great resource for website questions, particularly those involving Wordpress and SEO (search engine optimization).