They are essentially the middle man for buyers to shop around for different lenders which are matched based off criteria.

If it is a new lender to them either the lender could be a scammer, the middle man just a point taker, the lender could re-trade terms mid deal all the time,etc.If you the buyer are trying some oddball type property and seeking cherry financing the odds are stacked against you that you have NOT found the one with amazing terms that the market isn't giving.

You’ll want to ensure rents cover PITI by at least a ration of 1 to 1.

When we run into the people with issues, we sent them direct to you without the middleman, so they can sweet talk you into taking them.   

You can justify a personal decision with math, but it doesn't work in reverse, that's just a rationalization,...and that's the most expensive word in the REI vocabulary. 

You need to decide if you can rationalize the extra cost, it is a classic MBA MAKE versus BUY question. 

For the most part, dealing with people driven by emotions and incapable of rational thinking, I didn't bother with ANY of it.

She kind of went away from real estate investing techniques and became more about pitching all the group deals she was acting as a middle man for.I've looked at her deals before and some areas are absolutely terrible.If you're looking for the turnkey investments, I would say the deals her site recommends are probably about the industry norm.

These shortcuts are not time savers, they are deal killers, or rationalization justifiers. 

If the current interest rates are low, you are interested in buying more and your debt to income ration won't impede you buying more....I wouldn't pay them off aggressively.