Okay, let’s tackle this. So Ann Koci has 33 years of experience in the real estate industry, which is a significant amount of time. Her skills in foreclosures, REO, and single-family homes are in demand. However, her role as an owner of Koci Enterprises suggests she may not be directly involved in transactions, which could impact her earning potential. Location is Oakland, California, which is a competitive market. Considering her experience and skills, a rate of $75 per hour seems reasonable, which is below the national average for real estate professionals. This rate is likely influenced by her role as an owner rather than a direct service provider.