There are tons of loan products out there but low fees is rare because everything is a lot more expensive nowadaysGap lending is too risky as prices are slowing/falling in many markets.

I backpacked in Nicaragua in the Fall of 2014 (it was amazing, needless to say) and I noticed that there were a lot of 'for sale' signs and banners in front of gorgeous single family houses and villas near the beach around Juan del Sur, where I was mostly staying.

Unfortunately their home was a total loss due to a tree falling, so I have agreed to rent them my STR as a long-term furnished rental while their home is being rebuilt. 

Most borrower's fall prey to bait and switch or scams because of this.

Such as in a slip and fall suit, or a broken stair tread lawsuit.

Agents fall into the bottom 90% for any number of reasons.

You're welcome to claim other things fall under that umbrella, but then we're just arguing about terminology which is not productive. 

Maybe because I'm from Albany I'm bias but..Albany/Troy/Schenectady = UpstateKingston/New Paltz = DownstatePlattsburg = North CountryBinghamton = Southern tierSyracuse = CentralBuffalo = WesternRochester = would likely fall into central  but could be western

And here we go....the start of the fall from earnings.

I agree with @Ned and @Chris   also don't fall for buying any monthly software subscription.