Because full colleagues have some special privileges. 

Our insurance for a family is like $1400 a month and it's a $3000 deductible per-person, which means for the privilege of paying $16-17k per year of premiums, I get to pay another $12k out of pocket before the insurance picks up anything.  

We were told by lenders that we will have to either have proof from our employer that we are allowed unlimited telecommuting privileges (which we couldn't get) or we must work within a certain distance in order for it to qualify as a primary residence owner-occupied loan.  

I don't believe people without SSN deserve this kind of privilege.

They have also made just about every mistake that can be made which we all get the privilege of learning from.With respect to your post; There is no MAGIC formula.

Most agencies charge you a desk fee PLUS up to 50% of your commission, for the PRIVILEGE of working for them.

In the Sale and Rental of Housing: No one may take any of the following actions based on race, color, national origin, religion, sex, familial status or handicap:Refuse to rent or sell housingRefuse to negotiate for housingMake housing unavailableDeny a dwellingSet different terms, conditions or privileges for sale or rental of a dwellingProvide different housing services or facilitiesFalsely deny that housing is available for inspection, sale, or rentalFor profit, persuade owners to sell or rent (blockbusting) orDeny anyone access to or membership in a facility or service (such as a multiple listing service) related to the sale or rental of housing.That's my highlight on familial status.

Privilege of prepayment [ ] does apply [ ] does not apply.

If you have a 5 year plan to buy a place, feed an average $100/month negative then resell expecting a $100K gain over purchase price but you hit a couple of years of stagnant growth and it is only worth $50K more then you paid $10K for the privilege of owning the house (cost will be worse since this ignores the selling costs).

I have had some good tenants without a bank account pay me $50 extra each month for the privilege of sending in money orders for two years now since they don't have a bank account.