The biggest hurdles for successful real estate agents aren’t the transactions, the lead generation, or even the difficulties of some clients.

And due to everyone increasing capacity to deal with the refi boom (the steps to start a refi, and the steps to get preapproved, are essentially identical, improvements in one area automatically carry over to the other), it's probably more straightforward, easier, more automated, etc, than it was in 2019 (my pre-covid "tech stack" that was more or less 2012ish technology that was "good enough" and "the way it's always been done," has been entirely replaced, for example, because we suddenly had to deal with 5x the volume, and moving to current technology was cheaper than hiring 5-10 new people).In general, loan originators are being more responsive right now, not less.

Difficulty? 

The reason being is she is the kind of tenant that is dictating terms and she is only likely to get more difficult.  I

What is a platform or technology that you wish you implemented sooner?

(Note 3 of these cities are CA cities and based on GDP CA is not declining)—that accounted for 90% of all recent U.S. high-tech job growth, according to the research by think-tank scholars Mark Muro and Jacob Whiton of the Brookings Institution and Rob Atkinson of the Information Technology and Innovation Foundation. 

I do not want to be reliant on technology to change my locks, rather do it myself since we do our own cleaning anyway.

My self employed status and 2020 tax return are making a conventional loan difficult. Is

Most consumers don't fully understand the difficulties with conflict of interest or liability an agent takes on with this type of agency agreement, and expect all agents to have a fiduciary duty to them (transaction brokers aren't supposed to advise or have a fiduciary duty to either party, and dual agency is illegal in many places due to the unavoidable conflict of interest of serving two masters).

A lot of people have difficulties pronouncing and remembering my name, and I wonder if I would have more success if I use a more common name.