Back to today: I got off the phone with my agent, where I communicated how I wanted to present my offer (in summary: if the seller rejects my original offer, I hope they'll make a counteroffer, but if I decline that counteroffer, I will move on to make an offer on the next property of the few I am interested in the market - this is to avoid a back-and-forth and the property had been listed for a year with a 25% price cut in that time).

Most likely with the Fed cutting rates, at least historically, the rate cut has led to a recession which usually leads to lower interest rates in an effort to jump start the economy.

And it's cut down my time spent bookkeeping by a huge amount, since I'm no longer searching Quickbooks forums via google for obscure workarounds specific to real estate. 

"Over the last four tightening cycles, the time between the first hike and first cut averaged 2.2 years, and never exceeded 3.2 years" - credits for www.pensford.com 

With the recent rate cut by the Fed, most banks are not offering this rate.

Why would you cut yourself off from a large segment of people.

That will give you a clear cut view. 

It was worth every penny because now I’m properly organized and it significantly cut down the amount of time it took my accountant to prepare my taxes.

But I would recommend cutting out the middle men.

Furthermore, with the expiration of increased estate tax exclusions contained in the Tax Cuts and Jobs Act, in 2026 we could see a dramatic reduction of the federal estate tax exclusion by more than fifty percent.