There are four words that every listing agent dreads hearing at a listing appointment. "Can you match 4.5%?" If you've been in real estate for more than a year, you've heard them. And if you're being completely honest, there's a good chance you've said yes — not because you wanted to, not because you thought it was fair, but because in that moment it felt like the only option you had. I've been there. I said yes more times than I want to admit. And every single time I drove h