@Jeff Sitti  I hope you are a true friend to this person.    

I am looking at joining this organization and was wanting to know if what has been said still stands true?

This is something I've found in Philadelphia where I invest and the  same holds true in many markets.

At least try to have all credit cards below 20% of the their individual limit.The first image shows the drop of 59 points and the second shows the reason, I forgot to pay down one of my Citicards before the statement closing date. 

Everyone's obsessed with "off market deals" but a realtor who knows their stuff will be your true guide in the market.Secondly, I recommend asking those folks for good lenders, and also finding and connecting with other investors in the market (who have nothing to sell you). 

PROGRAM 2 Owner use up to 3 weeks 40% of Adjusted Gross Standard FF&E in high season & 3 weeks Revenues from the Unit and accessory in low season package required.PROGRAM 3 Owner use up to 6 weeks 30% of Adjusted Gross Standard FF&E in high season & 6 weeks Revenues from the Unit and accessory in low season package required.HIGH SEASON: DECEMBER 21st - APRIL 15th LOW SEASON: APRIL 16th - DECEMBER 20thNote: The following fees are deducted from the gross revenue before the split:5% Management fee, 5% Travel Agent Commissions, 2% Credit Card Commissions, $4.00 per occupiedroom night (TRUMP Fee) & Group meeting fee may apply.Other Monthly Fees: 4% of the gross revenue is moved to the FF&E Reserve account and approximately$20 for liability insurance.Monthly Condominium Dues: $895.57 (These can be deducted from your monthly revenue)Initial Rental Program enrollment fee $500 and $2500 initial FF&E Reserve account contribution.Fees for OWNERS STAYS: In Rental Program (Optional): 1

We don't accept letters from three years ago or some quack on the phone with a credit card reader.

But the thought of all that money has changed their minds.I can see Vrbo charging 3% on taxes for the credit card fee, but I didn't know they charge 5% commission on it too. 

Based on the wording of your post, it appears you're passionate about Affordable and Workforce Housing, would that be true?

I think the reason for this that I have a true vacation rental.