Most of the PMs out there are crap, unfortunately and certifications give some sort assurance about the standards they need to uphold...

I can assure you that the numbers on Memphis are correct, but that does not mean an investor can buy any house or work with anyone from afar and find success.

Here's what I can assure all property owners: 1.

I can assure you, do not use them. 

Same thing here with me been dealing with hard money lenders for a week so far and I end up finding tow local HMLs ( Recasa financial group and Assurance financial ), I try to go to HML because I don’t have enough cash.Is anybody heard or deal with them before?

All the instructors are required to be active in commercial real estate in some way which assures you are learning modern day practices. 

Of course, they don't want to get pelted by fees, but a reasonable amount to the GP assures the investor that the GP is incentivized to take care of the investment.

You just need to make sure that you are dealing with an agent who fully understands how to design a high cash value policy with low/no surrender charges so you have immediate cash value and access to the cash value.Once you fully understand how it works, I assure you, you will stop putting money into IRAs and only use this strategy.This is the primary focus of my business.

As someone that is on the other side of 30 year mortgages I can assure a paid off property only increases DEAD equity. 

,Buying turnkey is only a purchase method, it does not assure you that you are getting a good property or that you are going to get good tenants.