Again, I primarily work in Portland proper (which, it seems like most of these folks responding aren't aware, is a whole different ballgame than the rest of Oregon). 

Thanks for the replies folks. 

Hey folks, happy ho ho to you all!

Hi Folks!

Most folks overestimate the cost to prepare a space for MTR, but you'll figure out cost-savings and improvements with every iteration.

It also puts your agent and lender in a tough spot where it could be a perceived "fraud for profit" and they could lose their license and face time/penalties if they knowingly cooperate.

Some folks DO try make it a scam - it's not in and of itself. 

There are many people on instagram and other platforms selling courses appearing in a certain image, selling a lifestyle that is not 100% congruent with reality and sometimes reality can strike hard and shatter perceived illusions. 

I will definitely consider heading out to a meetup and networking with other folks.

It's people like you who cause folks who would actually benefit from an ESA to be painted with the same broad scammer brush.