I also have a very flexible private financier available, and I am wondering when to use them to pay off mortgages strategically to refinance and further boost my credit by paying off large lump sums relatively quickly and easily?

As I am a student, my funds are limited so right now I'm focusing on eliminating consumer debt, boosting my credit score, and saving some money to invest. 

I am somebody who hit absolute 0, and within 2 years time jumped 5 years ahead of his peers with no support, insider influences or handouts having been involved.

They're offering something too good to be true (97% LTV) to influence you to do something that no reasonable person would otherwise consider.    

On top of all the benefits I listed I will also be able to add $600k in value over a two year period even further boosting returns.

The loan officer's compensation is probably influenced by the deposits. 

This boosted my credit but at a pricey expense.

Win Friends and Influence People - Dale Carnegie - People, People, People. 

We are looking for ways to boost our income and flipping and rental properties look like a great investment.

As far as Estacada goes, I think it may be just on the verge of becoming a more lucrative area - not to say that strong market prices haven't influenced out here as well because they have.