On another note, your realtor may sees you as you are looking for coaching and becoming very familiar, sucking all his time and experience for free. 

 Books and talking with others and now I have a coach 10 years later

In Subto, we have it all - access to the best real estate lawyers, accountants, marketers, TC specialists, and different business coaches.

Think of it as watching a football game and understanding it to being the head coach.

I'm Canadian In USA since 2009 and ex financial planner, had coached over 850 clients in finances,  usiness and rwal eatate, so I learned a lot on international taxes since I'm here, forms to provide, etc...  

It's not the CPA's fault that you underwithheld, but the CPA should coach you in proper withholding so that we're closer to $0 next year.On the other hand, let's say your tax liability is $20,000 but you accidentally withheld $22,000.

They make even worse success coaches....demotivational speakers even.  

A good qualified intermediary can coach you through any of these scenarios so you can judge the viability of each option.  

You will find dozens of people here arguing for paid coaches and mentors, but yet, somehow the HM lender is considered expensive.Wanna know what is expensive? 

@Robert HosmerCall My son your schoolmate Mario Misuraca he’ll coach you through it all.548-0478