@Luke Fuhrman nothing wrong with a company having multiple distribution channels with differential pricing for the exact same product (which bakes in differential distribution costs, such as super bowl ads, etc), but if you know that fact then you probably shouldn't be calling the most expensive of those distribution channels for the exact same product.Rocket's index is focused on the mortgage broker shop (eg, you wouldn't find me there)-- https://www.rocketmortgage.com...This other index lists specific individual loan originators rather than where their license is hung -- https://findamortgagebroker.co...Whatever looks appealing to you, cross reference google business reviews to make sure it'll be a good fit.

But in the last year, I've began investing in the stock market (index funds/etfs) and have started in real estate (we have one property under our belt).

This is because i feel that I can get 7% or lower putting my money in an index fund with out all the headache/worry.

In regards to inflation in your commercial leases, there is a clause that is commonly used called "Indexed Escalation."

In fact, home prices are accelerating, as the Case-Shiller 20-City Index shows.

Then, before the rate adjusts to the index plus the margin at the end of the initial period, you refinance to a fixed-rate mortgage of 5%.

Each ARM has an index and margin rate added together to give you a Fully Indexed Rate.  

If you buy an index fund it will generate almost no taxable income until you sell at which time its capital gains rates.

If there's no convincing you to remain a landlord and shift your sights to a turnkey provider like REI Nation, the next best thing is to invest in an index fund like VTSAX.

The old IRA is just invested in some index funds, nothing special.That's an interesting way to diversify your investing half in RE and half of stocks.I have always been in the mindset to not have cash sitting idly by eroding from inflation so that's why I try to have all my money invested.