I think there is a common misunderstanding that licensed contractors cost more.

This is a common theme across the country with many municipalities enacting similar restrictions including where I am located in Philadelphia. 

But in terms of the upfront fee, this is actually common in a commercial loan.

I feel this gives me the flexibility to find the right solution for my client and not just sell what my bank offers.I'll also throw in my 2 cents on common differences I've seen in my career:CDFIs - Because of their subsidized financing structure, they have the ability to be a low cost lender (and sometimes provide grants).

First, I looked at the most common solutions: Quickbooks, Stessa, Digb, RentRedi and finally went with Stessa because it was free.

Water issues are the most common. 

Financial Freedom Network I laughed at -- after reading the agreement, no comparable value for that monthly price -- 3 or so years ago, if value has changed now, my time-based disclaimer is as aforementioned -- and Legrand would do well to disconnect FFN from his name, as I believe FFN is now out-sourced, whatever.I empathize with you , Joe and the other responders, but when I read Legrand’s, and most of the other guru’s, contracts prior to trying a teaser product, it clearly stated in the agreement that if customer did not want the upgrade service for which the teaser/free product, free video, whatever, was being given away, then customer must cancel within the stated period of time, which almost always range from 30 to 90 days [60 days is becoming more common, as more folks forget to cancel]So long as terms to cancel are clearly stated prior to contracting, I don’t find it unethical, -- and real estate gurus have merely adapted a teaser or rebate marketing technique used in most every industry -- recently even Chrysler cars [try our minivan for 60 days!

I have one property in an area going down hill and this is common. 

This is more common in highly leveraged deals. 

I've also heard it can be a good thing to have some debt against a property because if any issues arise legally, the bank will be the first line of defense.