At some point that market becomes saturated, pushing revenues down and the extra juice won't be worth the squeeze. 

I just wondered if working with one of these mentor groups would add an extra layer of expertise, or if it wasn't worth the hassle.

If you don't need the extra money at closing and just want to pay off your current loan in hopes of a better rate, you could consider a rate term refi instead. 

Home mortgage is $3700/month and $500/month extra payment towards the principal.

They like extra room to avoid accidents, etc....Just my $0.02....

Many trials and tribulations are now behind you, and you deserve all that is now coming your way for your hard work and perseverance. 

I was strongly considering joining before I read this, now I am going to go the hard route, but probably best to just stay active on here and go the extra effort to network with accomplished developers in my area.

They're pretty organized, but expect annual inspections and some extra paperwork. 

That way you wouldn't need an extra policy.

100% financing, no payments, financing in extra "cash out" money upfront so you can do a rate/term refi once you pay them off...