@Krystle Housley  Also as an FYI all of these guys from Tony Robbins on down are all affiliated.. they are all run by a seminar and marketing company that does all the logistics and puts the scripts together etc etc.these are based out of UTAH and they are very big business's the one that runs these guys has over 400 employees

I know that's something we do on the bank portfolio, more commonly for unique properties that don't fit the box, but right now if you have a higher LTV and just need to avoid paying points, I assume other regional type banks/lender affiliates can do similar for you. 

I’m a member of their Acceleration group — but I’m not an affiliate or anything. 

The company has told me that I cannot get a Vendor Vendee Loan program due to my brokers affiliation with VRM. 

I'm an investor focused, Licensed Provisional Broker affiliated with a Wholesaling Brokerage in Charlotte, NC. 

@Isaac El cold calls in most disciplines not just real estate:Out of 200 20 will talk to youOut of that 20 5 will be interested in “exploring”And talking furtherIt takes 20 “explorers” to convert 2prospects.There are lots of variations on this pipeline depending on degrees of affiliation but it gives you an idea of the spadework necessary to succeed.

Set up 3 coffee date every single day with people in your market who have any affiliation with real estate.

Have you ever transferred the points to an affiliated travel partner? 

But real estate law is state specific and affiliating with a broker who has investment experience is the best guidance you can get. 

They should have no affiliation or prior relationship with both the client (bank) and you.