It takes the weight off your shoulders of pretending to be the actual end buyer.

Yes it is likely too good to be true and unlicensed in this case is basically paying a random person $5 for his or her opinion that is no better than yours, it will not hold any weight with anyone.  

Just trying to weight the long term benefits vs. short term.

By the way, do you use the calculators here on BP that seem to be so popular or do you have a different way of analyzing a deal?

The local sites are very popular and tons of folks look at them. 

But I'm sure you can cut expenses (cut cable and go to streaming service, cancel gym and invest in a set of free weights/go on more hikes, minimize dining out, stop buying expensive coffees, etc).

While there is some variability by region, Kijiji.ca is by far the most popular on-line listing site.

It is just that this info is not that popular on a rei site. 

@Cenddie Alaban there is a lot to your post so I will try to tackle it in pieces.For the most popular loan types (FHA/Conventional/VA/USDA) these loans are actually regulated by the federal government.  

@Mike D'Arrigo I started focusing on those markets because they seem to be very popular with investors here on BP.