You should only consider switching when your current software has a significant flaw or lacks features that force you to spend excessive time on workarounds.

Homes requiring significant repairs or upgrades are struggling to sell, and sellers are often forced to lower their prices or offer additional concessions.

My son was not represented by a buyer's agent when he offered to buy a house, The listing agent told him to hire her, the listing agent, as his (buyer's) agent and agree to a 2.5% commission, so that the listing agent...

NAR’s numbers show a healthy bump in inventory—a 5.9% month-over-month increase and a 10.3% rise year-over-year, rounding out to about 1.07 million units up for grabs.Despite the bigger selection, buyers are still out in full force, pushing the median existing-home sales price up by 5.7% from last year to $384,500.

Not possible anymore in this market and I expect many will be forced to leave the business if they can't step up and evolve to the needs of the customer. 

so, you're trying to force the property to bear the cost of the HELOC - which it probably can't support by itself. 

I could get a 3% FHA loan, pay on it for a year while forcing appreciation, then refi out the appreciation and the PMI. 

Secondly, I think understanding guidelines, the constantly changing landscape, and really being able to offer many different options to tailor the lending needs to the client rather than force a square peg through a round hole. 

By renovating the main house and building an ADU we were able to force roughly $300k in equity.

(The argument about "74% of your first year's payments going towards interest-only" is completely irrelevant, because if you converted the whole loan to a first position HELOC, your Lender would still require the same - if not more - money out of your wallet each month, and you'd only be accelerating your pay down if you were forced to pay it back quicker, or if you volunteered to, because of all your excess income!)