The only motive was purely for humor.

This is easy stuff, not even math, just pure common sense. 

I want to concentrate on the high return items and the items that provide me the most joy, but there are always things that need to be done. 

There is no way for anyone to be able to answer those questions for you since the answer purely depends on your personal goals and what options you have access too.Equity vs Line of Credit / Mortgage lender vs Credit Union:I would shop around from all these options and then choose the financing options that works best for you and offers the best terms.

They are purely for legal protection, and legal protection is what attorneys do, not CPAs.

If someone told me they'd give me 4% 30yr lock now I'd jump for joy.

If an agent is pure commercial, does not participate in the MLS (small multifam or SFR) then lots of the headaches disappear, but they still must advertise residential property to the public using tools like Loopnet and signs. 

For example - if you wanted pure cash flow to help with monthly bills on a consistent basis - then private lending is hands down it in my mind.

I'm talking purely population and what those losses will mean from a Real Estate standpoint.

If that is the case Bob would need to prove his case under some negligence theory (or quasi-negligence theory which allows purely economic damages) or some consumer protection statute in X state.So, IMO it's possible but not probable.