So if I understand this correctly they essentially get to build a better score because they are an authorized user on your account but they never actually get to use the cars, is that correct?

Citizens is normally the lowest and I have the far majority of my policies with them.

Additionally, I have received feedback from one prospective buyer that they don't love that it is a 1.5 car garage and not a 2. 

It can be a great option if you're living in it, but normally not great for investment in Dallas. 

Normally a DPA program  help buyers who may not have funds for a downpayment and closing cost.

My background is commercial real estate and that is a normal way of doing it there.

But high upfront commissions in relation to insurance payments is not helping the insured.A high upfront commission by a real estate agent is not helping the house seller or buyer.A high upfront commission by mortgage broker is not helping the mortagee.A high upfront commission by the car dealer is not helping the car buyer.Each product has different remuneration model.

The driveway is wide enough for 1 car, but long enough to fit 2 cars on it by blocking one in.

The brokers, more interested in doing a deal, would normally tell me to cross out what I didn’t like and write in whatever made me comfortable.

For example, if you were making car loans, you would still be a lender but without a mortgage.