When I pointed out this clause in the contract, the person I was talking to ended up using the PM they claimed they didn’t like to sell their property instead of terminating the contract (which on paper auto renewed on a yearly basis for another year) and using me.

Anything under is an auto yes, anything over requires our approval.

I have been on auto-pilot the last couple of months and have blamed my recent move and new job for my lack of motivation and overall productivity. 

I work for an auto manufacturer on the corporate side, and I would highly recommend a CPO.

@Mike Huerta - a great buyer’s agent is a great negotiator to help you win the contract when there are multiple other offers, helps you negotiate repairs, helps connect you with good value contractors, sets you up on auto emails from mls for your target areas/criteria, and shows you or your associate the property addresses you state an interest in, within a reasonable time period (usually same or next day).

Place the $500 loan in your new account, and set the account up for auto pay.

The loan officer would need to run AU to see what you qualify for.So to answer your question, yes 50% front end is possible.

One problem is that interest rates are already very low (I mean, I have 3% unsecured auto loans...), so there's really not much to cut. 

Avoid Folgers or can coffee, unless you are running an auto shop:) I would leave 2-3 bags with different choices.

The auto loan if it is reasonable interest <5% then you may do better investing that money rather than paying it off.