The only category where no one has signed a "captive vendor" agreement with one particular lender, they can broker without restriction or needing to ask a manager permission.

You want to have a single option with rates for captive customers not willing to shop around, then go to a bank. 

work with an insurance broker, forget about the captive agents like StateFarm or Allstate.

As a "captive vendor" employee, I wasn't the priority over the independent broker who could take the deal anywhere.Maybe it'll switch again, and I'll jump ship again.

Full disclosure: I am a captive insurance agent.On top of @Wayne Brooks' comment, there are issues on the insurance end as well.

Our focus is on captivating neighborhoods such as Midtown Alpharetta, Aerotropolis, Lawrenceville, Johns Creek, Buford, and Peachtree.

Think of all those captive leads sitting at your table every day.  

That man was me…If you are wondering which podcast it was that started it all, I truly have a hard time remembering at this point but I know it was enough to captivate my interest with real estate.

But I won't be captive here for long I'm betting, after I get maybe 10 wholesale deals and say 4 BRRR deals under my belt I'll be trying to expand my ambitions domestically.

We work with several insurance companies that give the same kind of multi-policy discounts that other captive agent companies do.