My experience the captive agents (Nationwide, State Farm, etc) are not competitive).I know others disagree, but I think PM will be higher than 10%.  

Find a local Independent broker (Avoid State Farm, Farmers, and all those captive agents.

I may also have my own captive finance organization to finance the sales of homes we are selling.Some issues are regional.

This way I could retain full ownership of the business without being held captive by a principal, and I could change principals at any time. 

It's taken months because part of MY MIND has been held captive doing things like building an agency budget, problem solving situations on the fly in an accounts payable unit, dealing with all the constant miscellaneous problems that walk into the office, all while dealing with the most surreal, television sitcom like hostile office politics one can imagine.....can not deal with it anymore!  

Having a borrower relationship with more than one institution is just good business, you don't ever want to be a captive borrower in commercial real estate, landlording, fix and flips because, that lender can change policies in mid stream, you might have a balloon payment due and they can sorry, we're not doing these any more.....then what.

The people taking the courses are a captive audience.

They use brokers and unless they're a captive broker like a captive insurance agent they can do it for multiple lenders.

Another option which might not be realistic for a lot of people or even too complex to understand is called a "captive" , Google it.

I was captivated by the idea of cash flow and not depending solely from an income from a job or career.