The regional economic development team, ColumbusOne, does an excellent job in promoting growth and progress in our area (you can learn more at their website: https://columbusregion.com/about-us/what-we-do/regional-econ...). 

In all fairness, I have never participated in their mastermind group, but I have been pitched grossly over priced so called education programs from people that spend more time promoting and exaggerating what they’ve done in the hopes of getting a check from me with 5 zeros.

The promotional comment said that this type of note will help keep us from paying down the load/keep disbursements higher. 

At the time, I was rushing to close escrow, so I didn’t bother dealing with this company anymore, nor did I leave them a negative review.The reason I remembered this situation was because the company kept sending me promotional emails.

And we investors do care because the Fed is in the ~3rd-4th inning of a Fed Rate cut cycle amidst restrictive monetary policy, which has thrown the housing/real estate sector into year 3+ of an activity recession (because of interest rates, oh, and the government borrowed and spent like drunken sailors).Limited Inflation and Labor Market Data, So We Go PrivateThe Fed has a dual mandate to promote maximum employment and stable prices (aka low inflation).

Until the data resumes, expect rates to remain under pressure.Key Economic Data Releases this Week: WEEKLY INTEREST RATE SNAPSHOT (this is for primary homes, which is what the majority of retail lenders and news outlets promote/advertise

The Results:100% - AT A MINIMUM, "Flexible" cancellation is being promoted and strict cancellations are being punished.POSSIBLE - Listings that accept Pets without fees are ALSO promoted.I had 4 properties to test with.Thinking like Airbnb, I guessed the things that would make the user have the best experience is to be able to cancel and bring pets.

If you pay BP they will promote you.

100% - AT A MINIMUM, "Flexible" cancellation is being promoted and strict cancellations are being punished.POSSIBLE - Listings that accept Pets without fees are ALSO promoted.I had 4 properties to test with.Thinking like Airbnb, I guessed the things that would make the user have the best experience is to be able to cancel and bring pets.

You’re in a Strong Starting Position — You Just Feel “Illiquid”You already have several things going for you:Home equity: Roughly ~$140K in unrealized equity ($235K value – $90K loan).Pension & retirement savings: Long-term financial safety net.Stable W2 income + supplemental job: Consistency lenders like.Below-market mortgage rate (4.25%) on your primary — a great asset in today’s high-rate environment.The challenge isn’t wealth, it’s liquidity — you’re “asset rich, cash flow tight.”