Your thought process on the contractor providing quotes to possibly "win" a job may seem correct on surface level as a lot of businesses offer "free-mium" products - but ultimately time is money, especially in real estate where good contractors are in high demand and could better spend their time finishing a project before accepting the next one. 

I'm unsure how well it is now since it was acquired but Ryan (Founder) cared a lot about his product so I'm sure it's still fine.

@Frank Greg Contracting is a business that provides a finished product .

I have products that allow 90% CLTV, meaning if you have someone to come in 2nd, you can come in with 10% down. 0-5% is not going to happen, this is not 08'.

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They do not deliver the product they claim to sell you. 

A lot of those older houses have corroded cast iron or galvanized pipes.Asbestos - This was use in many house products all the way back to the 30s.Lead-based paint - This was used up until 1977.  

@Mark Enis this is ENTIRELY dependent on the loan product you are using. 

But many people like having a feel for what's going on at their property, and find controlling their reputation and product is easier with small or mid-sized buildings.