In general, the "standard" brokerage model is, yes, a pyramid.

Professional organizations should spend their expertise, time, and money to develop legal contracts with expensive attorneys and then just hand that over to you for free?

He is definitely a person/business that we are trying to model in the general contracting space here in Chicago. 

I am currently in the process of laying the groundwork for an Air BNB Arbitrage Business model specifically targeting the Anchorage/Wasilla region in Alaska.

or are you willing and able to be negative or break-even while you prove out your model?

Eventually there's going to be a site that's good for owners, probably a flat fee model, free for users and the savings will destroy VRBO and Airbnb.

I look forward to being part of this community and leaning on the expertise of more seasoned investors. 

(If anyone has a level of expertise in this are please reach out I have a few questions!)

These are income based loans and rates will depend on your credit score and loan to value (LTV).I've seen programs where values determined by AVM (automated valuation model), not a full appraisal. 

Have you looked into the Padsplit model?