@Rohme Williams,Unfortunately, the lending space is filled with a lot of pretender lenders.

It's ok that Ds are more anti landlord (or more pro tenant - or however you want to frame it), but to pretend like it's not true the way that you are is really bizarre. 

Pretending to have no time is sure disaster no matter whether you invest in RE/stock market or play black jack in Vegas.

Pretend you don't have any money and learn to make it in this business. 

If you pretend to deduct a whole lot of percentage numbers with just one deal, you will still lose at the end if your roof goes bad within 2 years of purchase.

Find out who the "real" cash buyers are, not the pretenders. 

If there's a site claiming a "list" of PMLs, like that, most likely they are HMLs, pretending to be PMLs, or scammers.The only exception may be list services, which sell lists of people who've paid for properties using cash, data mining public records.

Replace "proforma" with "pretend".

If the buyer repairs the house before closing or pretends to be owner occupant when they are an investor that agent most likely will lose his NAID and ability to sell HUD.

I manage my own properties because of all the horror stories out there, so I'm definitely biased, but - I would lean towards the little guy who doesn't pretend to know everything - it may cost you less to have him refer you to actual specialists if you need them & not have his fingers in every pot.