I'd say the PM you talk to doesn't spend much time talking to their customers ... this is a nightmare for me every year.

Congrats on making some money from your sale! 

In the past 2 years, I have used my extra money to pay off student loans by interest rate. 

The newbie, unknowledgable agents that can't really help you will do it until they realize that they are wasting their time and gas money.

They paid higher down as a place to park their money, propping up the housing values.

I think they are trying to take advantage of me and maybe money is probably tight for them and they are just trying to use me!

Did a "hard money loan" with family using gift tax exemption and trust as collateral (despite what Dave Ramsey says, my father and I have an incredibly strong investing and personal relationship).

We decided to switch to Hospitable and use the saved money to hire additional VAs, which we can do a whole lot more with. 

With your $50K in debt, use the cash flow (keep some aside for taxes) to pay down the debt as well as any other money you can (assuming it is a higher interest rate). 

Lee - How to Make Money in Real Estate Tax LiensProblem is they're all fairly generalized and talk about the basics from a global/overview perspective, whereas Tax lien certificates are all county-specific and are based on local and state rules and regulations.