If someone is upset with getting a call from an eXp agent excited about what they do, then maybe that someone should look in the mirror at their real estate sales career that requires one to lead generate (recruit people willing to work with you) and reconsider their judgment on those who are simply working to support their families like you are. 

I don't know you so I can't say... but your friends do...also I really don't see the point asking BP why YOUR friends won't approve... also leads me to believe you need to change a few things within the man in the mirror before you dive into this... so maybe your friends are right to be concerned...When I started I didn't even tell my parents.

HUD's or the city's.Look in the mirror.

You pay 1% of the purchase upfront at closing and you have what's considered "equity assurance" over the property. if the note is called due, they will refi your property with a note mirroring the terms of the original and you will just make those payments to them.