I've been building a 1 bedroom carriage house on the property in my spare time for the last few years which my wife and I plan to move into in the next few months so we can rent out the house.

Hence, I plan to pay the HELOC off as aggressively as I can.Thanks in advance for any insights you can share!

The New York-based retailer, which also owns Bloomingdale's and Bluemercury, recently announced plans to close and sell 55 stores this fiscal year, up from an initial 50, due to strong deal momentum.

I am debating on taking a 2nd mortgage out or paying in cash to fix it.

Sure you can have "boots" on the ground view for you but are you going to pay them?

If there is no real estate agent involve we provide the 2% discount back to our customers or we are happy to pay the buyers broker such fee.

Let's go over some examples and show me where you think the buyer is harmed:My opinion/perspective: The buyer has really been paying for the buyer agent commission all along.

Yeah makes sense - the thing is they will pay market price for a lot of these my friend.

Yes, there are a lot of people who spend less than they make and have a surplus.There are others who are inheriting wealth from othersBut there is another subset that we often forget: those who have equity in their homes.Much of the equity has built up due to a runup in home values since 2020, which allows these people to use a HELOC to purchase a home for cash.When rates were low there was a group of people who were using Hard money to purchase and rehab buildings and then refinancing at the end this was the BRRR strategy.Hard Money is not an option these days since the cost of refinancing at the end of the project is too expensive.So when we see people paying cash, it is often pent-up savings and HELOC money that people use, and not as often Hard Money.

My plan for now is to create a mind map and solid plan, with solid foundation of knowledge until I graduate.My project is the following:I live in a residential building, and my family owns the apartment that we live in.