I literally closed on my first property with them a few weeks ago and am hoping the great experience continues. 

I am literally sitting on the beach right now and I have guys doing three renovations, two rental returns, and walking two properties.

As a lender, I look at rate sheets and loan estimates literally all day long and for the longest time when rates were stable or declining it made little to no sense to pay points. 

Never understood the catch to places like new western, you can literally only wholesale and make a small cut from every deal.

The OP literally said they're doing illegal things, so I feel zero remorse when folks willingly break the law and then get in trouble.

I have to shovel garbage , literally shovel, like it is snow , near the dumpsters.

Literally everyone is a RE coach or some type of finance expert (typically buying stocks/index funds some crypto) and they talk on and on about "contact me about how to be successful and free from your W2 job.

I cant tell you how many consultations I've had that have literally saved people from thousands of dollars in mistakes because they were trying to do something impossible that some tik-tok scam spouted off in a 30-second clip.

You have some terrible advice here, literally awful.

I have a PhD in Theoretical Chemistry/Quantum Dynamics... https://pubs.aip.org/aip/jcp/article/142/24/244112/74387 ... and I literally designed and built my own house off of 30A in Florida ... https://www.scenicsir.com/homes/242-Blue-Gulf-Drive/Santa-Ro... ....