It’s because the guru’s are NOT selling a real estate program, strategy or technique - they’re selling the American Dream of wealth and financial independence.   

You can learn to do this independently or get a rockstar REALTOR to lead the way.

Example: "I want to build financial independence through real estate investing.

Most people are doing it incorrectly, so do your own independent research and don't follow the crowd, because right now--as least with respect to this particular topic--the blind are leading the blind.I just wrote a client advisory on this subject yesterday but can't post here.

Deciding to be a stay home mom from being an independent career women was a big change for me.

You can learn to do this independently or get a rockstar REALTOR to lead the way.

The loan officer may look at it and use the comps and data in a dispute, just as they could independently look up that same data and use it in a dispute. 

The uninformed will fall victim for sure.Lenders of all types should require title insurance and also obtain Insured Closing Protection Letters -- the validity of which can be independently verified.

@Maurizio Pisciotta  Great you are aspiring to build financial independence with real estate. 

Signatures and Legal Advice: All parties must sign the agreement, and each party is advised to seek independent legal advice to fully understand their rights and obligations.SummaryThe hours you spend creating the agreement will likely save your friendship and legal fees.