I think that is what the future of wholesaling will be and a lot of the bad apples will be out of the game.

To echo Ryan, you can't call the Apple CEO about the new headphone jack.

It is absolutely nothing like the reality TV shows.

They all check the mail and trust TV a guy on daytime TV commercial.

I imagine some bad apples will do this and charge by the page rather than the complexity, but I'd like to think that the majority operate in good faith.

For the last part, why not use a separate calculator (that allows for additional payments) and compare it to the AIO so you have an apples to apples comparison of the total P&I payments and payoff timing forecast.

Also important to compare apples to apples.

I had someone message me about my debt fund and was like "not FDIC insured", no kidding - you are comparing apples and oranges and thus their is a risk premium for investing.

First, your return comparison is likely not an apples to apples comparison. 

Here are some areas in Texas and Florida that are currently attractive for real estate investment due to economic growth, population increase, and urban development:In Texas:Austin:Reason: It's a tech hub that continues to attract major companies like Tesla, Oracle, and Apple, driving demand for housing.Opportunities: Residential properties, multifamily units, and commercial real estate.Dallas-Fort Worth:Reason: This is one of the fastest-growing metropolitan areas in the U.S., with a diversified economy and a strong job market.Opportunities: Multifamily developments, long-term rental properties, and flipping projects.Houston:Reason: Known for its oil industry, Houston has diversified its economy into technology, healthcare, and manufacturing.Opportunities: Commercial and industrial real estate investments, as well as residential projects.San Antonio:Reason: It's experiencing continuous infrastructure growth and is more affordable compared to Austin and Dallas.Opportunities: Affordable housing and expanding development projects.In Florida:Orlando:Reason: Orlando’s tourism industry continues to drive growth, alongside its rising status as a tech and medical hub.Opportunities: Short-term rental properties, multifamily developments, and new residential construction.Tampa Bay:Reason: Tampa is experiencing a population boom and is considered one of the best places for job growth in Florida.Opportunities: Waterfront properties, new housing developments, and commercial real estate.Miami:Reason: As an international business hub, Miami is attractive to both investors and high-net-worth individuals looking for luxury real estate.Opportunities: High-end residential and commercial properties, luxury condos, and fix & flip projects.Sarasota:Reason: Known for its beaches and quality of life, Sarasota attracts retirees and families, boosting its real estate market.Opportunities: Residential developments, vacation rentals, and waterfront properties.