I was under the impression they were completely different. 

Often a seasoned mortgage professional or broker will know where to take the borrower profile at the right time.

I've done it, and so I believe I can say something useful about it.You mention in your profile that you have 20 years of experience as a contractor.

I appreciate your comment and hope I havent given you or others the wrong impression.

I was also able to meet them personally at their conference in December and it validated my online impressions. 

Without experiencing a single positive transaction from inception to completion they'll tell everyone they know or who will read about it online how wonderful the investment is, how impressed they are with the syndicator, how "conservative" they are, etc.

Welcome to BP@Toby Schau, did you know when you are a Pro member your profile badge in forums makes you stand out as someone who is serious about investing and you’re 3x more likely to receive a colleague request than free members?

Your profile mentions that you are a real estate agent - You want to have a conversation to see if you potentially are eligible to claim real estate professional status which would allow you to treat your rental losses as active instead of passive.Also have a conversation if you are required to make estimated tax payments since there is no withholding on your commissions.Lastly, your profile mentions you are in Florida which does not have a state income tax which opens you up to more options for choosing an accountant.

Through face-to-face interactions, you can establish trust, convey authenticity and leave a lasting impression that transcends digital communication. 

I think this largely depends on YOUR risk profile.