It's not a game changer, but a strong concession can level the playing field a bit.

I assume this is deal one but as long as they have good credit they can get entry level bridge loan terms. 

It's usually not, and b) you need to have TIME to dedicate to them, listen to their calls, provide feedback and get them to the level you need.

At that level you would need to put down 20%.  

There are plenty of things that can be done with current technologies to combat the effects, whether it be to hold back the ocean (just look at New Orleans--has been below sea level for hundreds of years) or AC units that are becoming more and more efficient each year.

I heard that to join the inner group you pay $10K-35K depending on what level you want? 

The logic behind this is once you pay off the mortgage, you will obtain a level of satisfaction that will make you want to pay off the next balance faster.Best of luck on whatever you decide to do.

If there is no mortgage payment at present, escrow items are not added back in the above explanation.It's more nuanced than this and there are many exceptions/caveats, but this gives a high-level explanation. 

In the entire brokerage of 180+ agent's there was a grand total of 3 who had some level knowledge, THREE.

They may or may not require underwriting on you as a person, including credit checks, asset levels, etc.