You can DIY it, but there's a good chance you'll screw it up and make things worse.

Do you have a contact by chance for any of these? 

We will be making over $100k combined post-graduation but our current lease ends in July of 2023 so we would have to quickly find a new place before we really have a chance to save any money or pay down any debt.

Chances are this is a scam, and the last thing you would want is sending your valuable info to someone sketchy. 

I believe that investing is when your principal is generally on the safe side when you have a chance to make a return, while speculating is when your principal is not at all safe and you have a chance to make a return.

Even then, the wanrranty's vendors get 1 chance to get it right before we send out our team to right the wrong.

Depending on the penalty you could always chance it during high season and go back to MTR as needed.

Im still working on getting an executed contract and their might be a chance at 70% being ok.

Any chance you can chat with me sometime soon?

So I would say 99% chance you get a big fat ZERO interest.