The larger, reoccurring costs are associated with maintaining a license, insurance and affiliation with an association and MLS service that provides you access to the information. 

Affinity Insurance is one that @Tim Norris is affiliated with.

If that is the case I would think that you own him the fee as in my experience, whenever affiliates have brought us a buyer we have to pay the affiliate.  

I am hoping to get my license within the next 2-3 months, but have not heard too much about the local Pre-licensing classes, or the New Affiliate classes in our area. 

Military-affiliated banks and credit unions will also typically have good rates.

I did sign up to be an affiliate of a program to market their education products, but after three months or thinking about it, I realize I want to focus my efforts on making money investing, not being a salesperson.So that's me! 

I am not affiliated with, and I am not compensated by, either of the companies I have mentioned here.  

This applied not only to REO properties, but to ALL properties sold through these agencies or their affiliates.

Larger syndications or brokers in management of millions will have their ducks in a row or at least on par with banks and affiliate lenders.

Or does this need to be structured in a partnership/affiliate relationship.