Think of it like malpractice insurance, except we aren't doctors... 

We rent houses to families, workers, doctors, nurses, bricklayers, maybe even astronauts. 

It's a normal part of the path to success.Take, for instance, doctors who immigrate to a new country.

I am a busy doctor with some cash I have been saving for truly passive investment opportunities as I am limited with time right now.

Many doctors who develop enough extra income to invest, start in syndications until residency is over and practice is going.

Where the buyers Daughter is an agent and she is a Doctor literally an MD.. now she has been good to work with others not so much. 

Doctors, yes. 

It also appears that there are numerous companies / doctors / therapist that will provide whatever documentation you want for a fee, so even If I did get this documentation I'd have to vet if it actually means anything.

In the same line of thinking, when you go to a doctor your first question should be how much do you charge, NOT, can you fix my illness.

I'd argue that if you're buying in a high priced market, some inexperienced teenager who lives in his parents basements is even more dangerous to consumers.The fact of the matter is you've got to go to school for 6+ years to be a lawyer or an engineer. 8+ to be a Doctor. 5 year apprenticeship to be an electrician.