It just seems so much more efficient, a lot easier to organize, and I love that you can put an automatic voicemail saving 30 seconds per call.Due to a lawsuit that happened many years ago for a DNC from a different brokerage, my broker said we’re not allowed to use dialers.

I actually got my license as I couldn't find a good investment Realtor and people found me via word of mouth so my business grew organically.

Apply that towards paying the balance down too.Do both of those things, and >90% of refinances will not leave you unnecessarily more in debt (in this case it's a cash out refinance, so it can't be avoided).Do most Americans do those above two suggested things, or do most Americans take that money and go buy shiny new objects with it? 

If the bank doesn't object and the trustee says it's okay, then after the several months of time it takes to get those approvals, (hearings, comments from other creditors, and an appraisal of the value of the property) the trustee and bank approve your offer and you have to cash them out right away.

None of it helps your objective of using cash for an immediate purchase of your new home.

@Ryan Stark a good place to start looking for a property manager is on www.narpm.org NARPM, is a national organization that sets the standard for residential property managers. 

You need a sharp object.

@Bjorik Mutize the overall objective is leaving the rat race through real estate.

One of my employees is part of an organization, Human Kind, which recently built park furniture near the paseo trail.

The bankruptcy system was set up to help people that get overwhelmed with their debts and are legitimately trying to re-organize their financial lives.