He mentioned some of her behaviors, and I asked if her name was XXXXX YYYYYY. 

Just the different brand name lowers the cost dramatically!

You want to be on the short list and then out work everyone else to land the listing.The 'top agent' question was more for the more experienced agents on this thread to voice their opinions on what influences that decision making process.Not an expert but there is a reason that brokers invest so much in making up good sounding names (e.g.

New Jersey is not a horrible state for investing it is more so certain towns and cities that give NJ a very bad name. 

@Cari Sweet 100% agree!

Another work around that isn’t discussed much is working on a strategy with your insurance company to protect your other assets in the event of a claim.But also, it wouldn’t be a bad idea to consider getting the financing into your LLc name with a community bank and pulling cash out if you have substantial equity.Right now, since the loan is in your name, it shows up on your personal credit report.  

my name is Emeka and I'm new to real estate. 

Initially, we wanted to  have the loan under my wife's name only but my the loan officer from the builder's lending arm told us that if I am in the buyer, the RE Agent and the mortgagor (in the loan), I could use my agent commission towards closing costs and down payment.

Please consider putting all of your information together in writing with dates, every name you can remember, wire transfer confirmations, what they promised you, what really happened, etc.

My name is Jay I'm excited to join this platform as a new investor based in Charlotte, North Carolina.