That commercial vs. residential distinction for the loan is based on Fannie Mae guidelines and has nothing to do with the IRS guidelines for taxes.For the appreciation question and the NAR data, note that that data is nominal.

Account Closed this is why I pay dues to the NAR lol, just in case any politicians get ridiculous ideas like this :)

NAR says that homes have appreciated 4.5% since 1968.

NAR requires all 42 fields to be entered in the data based.

According to the National Association of Realtors (NAR), 87 percent of those using the Internet during the search process found photos of a home to be very useful.

According to NAR, a whopping 88% of home buyers are using an agent.And guess what...real estate agents are presenting properties from the MLS that has functionality to help them sell property as well as built-in compensation agreements.  

Let’s also assume you close 11 transactions per year (NAR average for 2015).

I have never seen one that was not a NAR or board of realtor product ? 

Just as a FYI.. there are other monthly/yearly costs associated with being a realtor such as marketing, continuing education and NAR dues just to name a few.

Apparently, NAR disagrees with your assertion that fairness is legally required on the part of agents to the other party.