I worry that providing the money upfront (if I'm understanding the details correctly) will create potential problems down the road if people use the extra money to purchase homes they can't afford.

Sometimes we just need that extra push to get us moving forward.

This renters pay on time and this will be their 3rd year to renew, they just want extra repairs to be done to property.

Here's an article with some examples: https://finance.yahoo.com/personal-finance/one-extra-mortgag...You can also search for "early mortgage payoff calculator" and enter your own numbers to see how extra payments impact your mortgage.

The cash flow to LL using PM for STR is not substantially different after including extra expenses than an LTR.  

They have actually paid down extra principal every month.

If you want a comprehensive mold test for areas with water damage history (not including remediation), or if there's been an internal leak, it's a little extra or $500 from another licensed mold specialist.

It's like they tried to make believe you should  feel so lucky they accepted you in their mentorship program.But the end,  I think the truth is anyone willing to pay 40k,25k or 15k for their program will get accepted regardless..lol Red flags for me:* Avoiding to talk about how much the program cost but until last phone call* The terms of the contract 50/50 on the profit up to 500k plus the cost of the program seems to be a little excessive.* They tried really hard to put me not on the least expensive plan but the 25k or 40k plans.* Once the recruiter  learned I wasn't sure about signing up for the program, he turned mean and arrogant towards me.

Many sellers were skeptical of FHA financing because of all the extra steps.

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!