I like to hear other people's opinions.

In general, most people value STRs for sale based on the income of the STR.

I've heard people have had a great experience working with them!

Reading about successful people strengthened my resolve.

Want to repeat what @Mike Terry said for the people in the back. 

Many many many people.

No debt, they bought this place for like 200k in early 90s, quite old people. im not sure if they will be alive for the 7yr term but they chose it..The reason im putting so much down is im buying w gift money and i want low monthly payments.

Tell people your policies, send them via email when they start the screening process, and send them again with your denial.

These are the people - in my opinion- that need loan brokers the most, since they really don't have a grip on the market - and are thus more susceptible to agreeing to suboptimal loan proceeds / rates / terms. 

Gene unlike most people who try to do what he does, does what he does.