Two years ago they were offering me a competitive rate however after one year they raised the rates quite a bit. 

I currently have a CPA (only handles taxes and offers standard tax deductions advice) and a wealth manager at Abacus (handles retirement investments and stocks- IRA, 401K, etc).

I have experienced cash flow anywhere from 10-18% with so much more to offer.

A monthly survey conducted by the University of Michigan that measures consumer sentiment and inflation expectations has affected yields and offered a data point for predicting Federal Reserve actions.Purchasing Managers Index (PMI)Another factor starting to gain steam in terms of affecting mortgage rates are various regional Purchasing Managers Index reports, which offer a glimpse into the health of the economy.

I have an offer out on a duplex but it needs a new roof.

What's the best way to beat an all cash offer as is with no contingencies and a quick closing?  

Volume property discounts were rare for us to offer, even with clients with hundreds of properties.

Pay off HELCO, REPEAT.If you are an accredited investor I can discuss some Alternative investments I am personally looking at to generate income that offer tax advantages to shelter some income.

Good luckAt this point I have made what I believe is a fair offer, we'll see.

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