But only an ignorant person risks the financial welfare of their household on account of "Trying to make progress". 

To answer the first question from the first post in this thread ...Some homeowners are just hoping for a miracle that will save them; some are like the proverbial ostrich with their head in the sand so they ignore what is about to happen around them; some are just stubborn and will stay to the end until they have to be dragged out of the property.

This company is a bait and switch lender advertising one thing and then once you're in you are held hostage, ignored and financially penalized.

@James McAlister thank you for the information, please excuse my ignorance on the subject as I am new to the industry. 

The base unit typically rents for about $1,000 - $1,100 while the fully upgraded unit rents for about $1,200 if you can ignore everything else that affects value for an over-simplified comparison. 

Note that if you copy one of the form letters that just asks for 500 pages of paperwork, they can say it was frivolous and ignore it. 

These owners generally aren't ignorant about their markets, or finance in general.

I followed his advice about how to disclose and how to stay compliant with my mailings, yet some uptight ignorant agent got all worked up for nothing and has caused me problems.So once licensed, find a broker that's fully on board with what you do and keep them well informed so they can fight for you in case this happens too. 

There are rules and regulations and there are consequences for ignoring them or trying to evade them.

That may just me my ignorance of the laws of this field.