They will be unable to provide the proper customer service to you and your tenants.- Has little experience.

Pencil out both scenarios when mortgage planning and look at the big picture to understand what the best option for you will be. 

Do one task at a time in each app to compare apples to apples.Load a property with pictures and details.Market that property.See what your marketing looks like from the public's perspective.Submit a fake application to see how easy the process is.

The additional costs for commissions and costs are negligible in the bigger picture and if you are looking at capital gains tax it's a deductible sales expense which more than offsets the additional costs.

Well, those pictures will not help you in court.

Over the years I've worked with brokers that would figure out 6 different ways to do a deal and then we'd compare them all against what the specific goal for the deal is.Mike I felt I didn’t need a broker for a simple cash out refinance but when you look at the bigger picture of the eventual purchase and go backwards to the cash out refi maybe it’s wise to use one. 

I never considered it before, because the bulk of my customers came through VRBO.  

But like bigger picture, has anyone dealt with something like this (fully acknowledging that anything I may deal with pales in comparison to what she's dealing with)? 

A spec home is gonna get OSB compared to a custom home or a home for myself being built with plywood.

Knowledge will give you complete pictures, systems, creativity, etc... and is contiguous.