Okay, let’s tackle this. So Salvatore Agro has 33 years of experience in mortgage lending and commercial lending, which is a significant amount of time. He has held senior roles at Argo Mortgage and Investment and has been self-employed in real estate finance. Location is Daytona Beach, Florida, which is a relatively lower-cost area compared to major cities. Considering his experience, skills, and education, I would estimate his hourly rate to be around $250. This is slightly lower than what I would expect for someone with similar experience in a major city, but still reflects his expertise and seniority. Some mortgage lenders and commercial loan officers with similar experience can charge $300-$500 per hour, but Agro's lower cost of living location and self-employment background suggest a lower rate.