It's almost like they tack on a few hundred dollars to the order and forget to charge sales tax

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

Full disclosure, I only deal in LTR at the moment, but I know when I am not getting the quality applicants or volume that I want, I will lower the price by $50 to $100 per week to spur more applications. 

You want to charge your end buyer a non refundable earnest money deposit to be sent no later than 3 days after you assign.

The nicer areas are already charging a premium so be careful. 

Go for it.Just don't sign up with a brokerage that will charge you monthly fees.You sound like you have a lead source through what you do as a firefighter and you should follow your first mind and become a direct source for those people your getting acquainted with and building rapport.

Currently accepting applications for friends and family because teamwork makes our dreams work.Even then, that statement has narrowed the possible solutions. 

Furthermore, whole note investments benefit from an additional 0.5% annualized yield and are entitled to a share of any extension fees charged to the borrower."  

Charges for marketing pics, 3-D Tours, Floor plans?

You send a complaint to the NMLS or DRE for failing to disclose, or charging an excessive amount of fees and they will suspend the broker's license.