My concern is that all of my info is coming from the agency and I do not know how to find and evaluate properties/deals yet on my own.

I did get a judgement against her, had it recorded, engaged a collection agency, but after 3 years have yet to get paid. 

She served papers by a processor 9/30/23 and had gotten a lawyer, gotten paid up and was currently paying a collection agency called diko?

Many Sect 8 and other agencies.

Various collecting agencies will report to the credit bureaus.  

The charts would look the same for any other mainstream interest rate.

Two other options woud be Global American Title Agency, and SJSA Title.I hope that helps!

This would be an end-run around real estate agency licensing law.

I'm not familiar with non qualified mortgages, I'd generally assume the less mainstream/vanilla the borrower, the higher the costs and rates, why would non QM instead be lower costs?   

I'm surprised that someone who recognizes the illegal importation of often unvetted individuals would seek to find yet another way to fleece the taxpayers.To answer your question, though, it would appear that the money being made is passing through non-profit agencies who then make the decision where to house them.