This article includes Prospect Mortgage getting whacked with a $3.5M fine for paying referral fees: https://www.housingwire.com/ar...https://www.thebalancesmb.com/... is a good article to brush up on.RESPA doesn't apply on commercial or hard money loans. 

(And this ignores seller credits, which are commonly offered to homebuyers during negotiations.)Affording the down payment is an issue for prospective homebuyers, but not the main one.

I'm looking at a few prospective property managers for when the time comes.

Lead GenerationDefinition: Lead generation is focused on identifying and converting prospects who are actively interested in buying, selling, or renting properties.

  :) 15% is also much easier for a prospective client to understand, rather than a front-loaded "move  in fee" followed by a lower monthly fee.

Are you able to give any area specific advice to a prospective landlord?

Additionally, I have received feedback from one prospective buyer that they don't love that it is a 1.5 car garage and not a 2. 

I do not accept personal checks under any circumstances for these move-in funds.This agreement is between_________________________________________, hereafter referred to as “Prospective Tenant(s),” and ____________________________, hereafter referred to as “Landlord.”Landlord acknowledges receipt of payment in the amount of $___________ from Prospective Tenant(s) as a non-refundable binder for the property listed above.

I know too that with all these professions (realtors, LOs, insurance agents) that considerable time is also spent with prospects or clients where they do not get paid at all.  

Does anyone answer the phone or call you back as a prospective tenant.