What they don't understand is that could be costing them thousands of dollars on the sale. 

Just a note for you since I was just talking to a client about this: if you live in a high-income state or have privacy concerns and are living the digital nomad lifestyle, south Dakota has an interesting residency status program that can potentially save you guys 10s of thousands on income tax and have great anonymity. 

Even if I were found guilty, the cost would be in the thousands, not in the millions.

I have also dealt with thousands of sec8 across half a dozen MSA's, all different MSA's from James.

Even if I were found guilty, the cost would be in the thousands, not in the millions.

One mistake can cost tens of thousands.

As a lender, I look at rate sheets and loan estimates literally all day long and for the longest time when rates were stable or declining it made little to no sense to pay points. 

I cant tell you how many consultations I've had that have literally saved people from thousands of dollars in mistakes because they were trying to do something impossible that some tik-tok scam spouted off in a 30-second clip.

You have some terrible advice here, literally awful.

There is no reason to spend thousands to fly there and sit in on a RE meeting.