@Brett Danehey you are going to need our email addresses and then share it with us.

I put the opinion "commissions have always been negotiable" in the same category as Henry Ford's famous statement of "you can have any color Ford you want, as long as it is black."

Doesn’t look like it from your email bubba. 

@Mark Miles I don't think that BP as a whole would have any issue with that statement.

Got a statement every month from a very reputable, conservative firm.

Good to e-mail on the address on your profile? 

You can DM me your email so I can send you the details.

.- The TL states that those are technically the team's leads and I will owe the 20% if they convert within the year since I was given training (which I was not), lender referal (which was forced on me by the TL even though I work with my own lenders for my clients).Is the above statement true/legal/valid?

@Lynn Bradley send me a connection request and dm me your email.

.- Maintain proper records, such as contracts, settlement statements, and promissory notes.- Additionally, you can track income and expenses consistently using software or spreadsheets.If you track everything, you could show a loss and use that to offset other earned income (such as a W2) which will net you a bigger refund.