Thanks for all the input Guys (and Ladies),This is why I love BP!..

Welcome to BP @Ashley @Ashley Watkins - You may want to go to youtube and check the tax lien lady - Joanne Musa.  

The lady I spoke with said the two people would be mye lease people and insurance would pay me directly. 

Today though, today I locked in a lender that's just someone random lady I know with some money.

I'm renting new condos and a lady comes by for a showing, and asks for an application.

Sheriff XX evicted poor, ol' ill lady from her house during COVID...elect ME I have a heart!

This lady was super rude, pretty much laughed me out, but whatever.

I'm pretty sure the RE guru lady spells her name Twyford, not Twayford.Different people, methinks.

Im personally renting a house and I shovel mine, plus the 2 old ladys living on either side of me.

I suspect the selling of the 3k information package is a pretty heavy revenue generator for them and very clever indeed... you take undercapitalized folks that want to get going and they will risk it.. just like folks that put the big guru packages of 20 to 40k on their credit cards with the hopes and dreams that there is some magic training that will create income so they don't have to work anymore ( at least W 2 work)… So I was just asking that other lady if she actually funded.. or if she put up the 3k and lost it.. one of the toughest things to do in the industry and its kind of like how gambling casinos are set up.1. take a rookie and that's who is going to be attracted to this scheme of no money down ( which of course it is not)2. set the bar so high that most rookies simply cant find a deal that actually works in todays competitive environmentand there you have it you have 3k in your pocket to do turn downs and to send out materials that are long ago paid for and there is nothing new in real estate .. there can be nothing they are sending out in their materials that is not known to the RE community and talked about daily on a site like BP... but again if someone wants to pay  3k for their materials that OK in my mind.. its just the way these companies package this stuff that goes against most of us that have been hard money lenders or are HML ers business practices.. and I get where they are coming from.. the begineer is by far the highest risk borrower.. and in todays world if you have 10% to put down most HML will fund you if you have a good deal and for nothing up front.. they will help you underwrite it since it their money.. and the rates will be substantially less. shop around and see..then lastly if someone does not have 10% in cash and good amount of reserves to go into fix and flip is highly risky its highly risky to start any business undercapitalized..