Quote from @Briley Roe:  yes those fees are very high as you have a broker fee and other fees for a loan little over $100k at 6+ points. 

You're running a business and businesses choose what payment methods are acceptable to them - not the customer. 

I'm a local real estate broker, investor, and manager (100+ rentals, mostly Airbnb/STR and multifamily).House hacking is a tried-and-true method and in Sacramento you can produce some meaningful income while enjoying the appreciation and tax benefits of owning real estate.

If you’re familiar with the area or have tips for evaluating properties, working with brokers, or finding good contractors, I’d love to connect and learn from your experiences.Looking forward to being part of this community and sharing my journey!

, the broker says this is not the case. 

I'd lower the price slightly below your competition and get real reviews.Be customer focused.

As both an investor and a mortgage broker who has personally used both options, I can say there are benefits to each.It ultimately comes down to comparing the two side by side based on your specific situation.

All brokers and lenders get paid for their work so 0 origination means they are increasing the rate instead of being paid at closing which doesn't usually make sense as far as the total cost of the loan. 

That may not make for instant potential sales customers but it would improve the quality of the people in the forums. 

So, working hourly for successful RE broker or a PMC will be your best opportunities.