Real-life reps, to me, means seeing properties in person, whatever your asset class. 

If it crashes hard enough, it impacts your personal finances, your relationships, and even your mental/physical health.With the exceptions of politicians and so-called charities, building wealth typically requires sacrifice and time.

I personally use Hostfully and their support team is great!

I personally don't like exclusive by agreements.

Can you send me a link and/explain from either personal experience or an example of when you seen that happen.  

(Either with the roofing company, a heloc, or a personal loan.)Either way you will probably be way ahead on interest saved unless you have a sub 6% interest rate.

Meet in person.

I can't say when that will be but 4.125 is quite a lot depending on the rate you get.I personally want a hassle free funding experience and the lower rate.

Explore my personal favorites, Set For Life by Scott Trench or The Total Money Makeover by Dave Ramsey, for invaluable financial insights.3.

She is not in a position to lend a personal loan to me.