On many levels. 

The coaches help you level up and scale from where you are now to where you want to be; not because they're perfect and have everything figured out, but because they are a little further on the path and have a systematized method for growing your business.But I will say it's not a good fit for everyone. 

I am going to see if I can switch to a local Wisconsin insurance that reflects our local risk level in their premiums.Many of the homes in the Pacific Palisades are 3-5 million, but when you look on Google Street View, most are very modest homes from the 1960s (there are some $20m ultra luxury mansions too), so a lot is the land value, the home replacement value on a 1600sqft may be what - 500k at the most?

First, congrats on your success to achieve the level of income you have!

I could pull it up and redo but it's not level to start with and I have good height down there.  

If your rental rate is below the market anyway, a Tenant might consider this to be win as they would get the lower rate in the beginning and just rise to the level they were looking at everywhere else.Step clauses can be written right into the lease, or created by using 3 month lease terms with an auto-renewal at the step up rental rate price. 

Others do this at a much higher level.

You can always take extra courses or certifications later to level up your skills.

On a more enterprise scale, I employ RevMax software as well as a fractional revenue manager who looks at the prices daily on a market level and a comp set level. 

Generally they are not rolled into the loan, and it's more the level of fees (say the percentage) they charge rather than any "junk" fees or costs.