These are professionals with additional training and a stricter code of ethics.

I think too many people get into this and struggle for too long before realizing that they not been properly trained and potentially could have dramatically shortened the learning curve.   

They just plug you into the conveyor belt of webinars and canned training that doesn't take them any time to create, but also isn't tailored to your specific situation. 

I appreciate all their training as well.

I agree with Miguel, build your system, then hire a virtual assistant and train them how to use it.

I trained my replacement for about 6 months and handed over my baby, the investor relations department, it was a bittersweet moment.

Make an informed decision if you think people are properly trained?

.- The TL states that those are technically the team's leads and I will owe the 20% if they convert within the year since I was given training (which I was not), lender referal (which was forced on me by the TL even though I work with my own lenders for my clients).Is the above statement true/legal/valid?

Ken I beleive you can hire for sub to training thats why he is always saying sub to is legal if you know how..

With a license, you'll have access to systems for prospecting & training.