Sometimes, it just takes the threat of foreclosure to get the homeowner to the table.

My question is, should I focus on paying off my debt which is credit cards and a car loan roughly about $20,000 in total and go to the closing table with no debt with enough for closing cost and a little bit in reserves or should I focus on saving more for closing costs and reserves and go to the closing table with more cash in the bank account?

.: Lease Options are closed at the kitchen table so... 1 hour?

I feel sometimes a bit 'late' to the table and woefully ignorant of the language and lingo in investing.

Quote from @Shaun Ortiz: Simple question about closing day in the Buffalo area:For those who have recently bought or sold property here, is it the standard custom to receive the keys at the closing table after all documents are signed and funds are wired, or is there usually a delay until the deed is recorded the next business day?

I always aim to bring more than just a quote to the table—whether that’s strategic advice, local connections, or just being someone reliable in your corner.Outside of insurance, I’m diving into the investment world myself, especially small-to-mid-sized multifamily.

It seems like when you get the quote and when you get to the closing table the loan rate changes from the quote to the signing - how can this be avoided? 

.- I work in Southlake, so I’m aiming for something within 30 minutes of there (or nearby areas).While I don’t bring a large amount of capital to the table right now, I do bring time, flexibility, and a strong willingness to learn and put in the work.

Currently leveraging networking, direct outreach, and off-market strategies (driving for dollars, lists, and referrals) to bring motivated sellers to the table for properties.

Will bring to the table my short term rental experience.