My biggest question when I was researching all the programs was "If these people are so successful at what they do, why are they charging so much for all of this and always trying to upsell?" 

Also HELOC's typically have lower interest rates than personal loans since it is secured by your home.

Regarding price, do you have any suggestions on how I can get him to agree to a lower price?

Sherman does seem interesting though because of the lower cost and growth potential.  

Once we lowered the price to $1 less than everyone in town we filled right up.

We pay Lightning Docs a $500 annual fee and $500 per loan, which we charge to our borrowers at closing.

Contrary to most business lending, the REI industry has a lot of "non-bank" lenders that provide attractive loans that can lower your cost of capital and improve your profit/cash flow. 

So, once more, please clarify how many lenders we work with and how much we charge for them to buy our leads (hint hint, there is no answer here as this is not how we work).

that we’ve learned in our 24 years, managing almost 700 doors across the Metro Detroit area, including almost 100 S8 leases:Class A Properties:Cashflow vs Appreciation: Typically, 3-5 years for positive cashflow, but you get highest relative rent & value appreciation.Vacancy Est: Historically 10%, 5% the more recent norm.Tenant Pool: Majority will have FICO scores of 680+ (roughly 5% probability of default), zero evictions in last 7 years.Class B Properties:Cashflow vs Appreciation: Typically, decent amount of relative rent & value appreciation.Vacancy Est: Historically 10%, 5% should be applied only if proper research done to support.Tenant Pool: Majority will have FICO scores of 620-680 (around 10% probability of default), some blemishes, but should have no evictions in last 5 yearsClass C Properties:Cashflow vs Appreciation: Typically, high cashflow and at the lower end of relative rent & value appreciation.

She has a charge off that expirian will not delete everywhere else deleted it so that blocked her from getting a heloc no 401k my dti is high because we used my cards What would u do in this situation?