To this very day we are still taking on new clients and are doing just fine, so it goes to show you can’t please everyone but that doesn't mean you can’t still do good business and improve.

.: I am not going to express an opinion on whether being on a single platform can improve your ranking because i really d not know and admit you may be right.  

It turns out that nothing is more of a waste of time, energy, and money than this, money that could have been spent elsewhere.

The best place is what fits with your lifestyle, time, and energy. 

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.

Purchase price: $2,800,000 Cash invested: $560,000 The property is a three-story multi-family residential building with six independent units, initially facing significant challenges due to poor conditions.Renovation Investment Summary:- **Structural Repairs:** $250,000- **Kitchen Modernization:** $100,000- **Bathroom Updates:** $50,000- **Exterior Improvements:** $100,000- **Holding Costs:** $50,000- **Property Taxes:** $30,000- **Insurance Costs:** $10,000- **Management Services:** $10,000

I have about $5k in a credit card and another $5k in a home improvement loan because I had to replace my AC condenser after purchasing my primary last year.

@Dominic Holt , I am happy to review your scenario and suggest changes that could improve your property.

I love to learn and share with others to improve their real estate journey. 

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).