I ended up with a lot more buying power with the LOC, rather than the REFI as well.

I know the response rate in our area is somewhere between 0.2 to 1% depending on the list, and lead to deal conversion rate is around 3% of those leads. 

If you would like to have a conversation about your options, I would be more than happy to discuss some of the options out there.  

BP-Bill Powers

I am fairly interested in what others have to say as well and would like to offer my two cents to start off the conversation.  

Same conversation....blah blah blah.

That way you can establish whether conversion to gas is actually feasible / sensible. 

If you work with a quality firm and not just a marketing company/document provider, then you will also have access to quality support for the tool as you invest, and can consult with your provider to ensure your strategy is within IRS guidelines.If you are self-employed, there is a similar program with checkbook control called a Solo 401(k) that can have advantages as a more powerful retirement plan than an IRA.

I am always amazed how many apartments buildings (mostly conversions like the one in this case) I go into where folks have not bothered with proper fire separation between units.  

You may as a newer agent get a better commission split with KW, but in our area they have less brand power.