I know of other programs that offer the same service for much less (Epic Fast Funding is one of them, but it's really a referral to another company). 

Looking to hear from anyone who has used this program or has heard any positive or negative reviews.

When I see POF's from certain sources, some off the internet and some local(a couple I know are just BS as part of a wholesale mentor/partner program) straight to the trash they go.  

There was a lot of discussion about this program 5 year ago.

I have also been involved with Renatus by attending many of their free meetings but don't want to get caught up in buying their program if I don't need to, as the MLM aspect of the company is definitely a disincentive for me.

Also Seller says theyd like a bank certifying to them that i HAVE the money for the house because theyve "been stung a few times" and even though I look trustworthy to them it would only make them comfortable....I said it would not be a problem to show them certification.

Hi Carolyn Lorence  A CFO is a certificate or occupancy that need to be given to building that is not operational for certain number of years.

We have then done the renovations for a small % mark up and then we manage the home through our program. 

Everyone I knew (including my realtor wife) tried to tell me the no money down program wouldn't work.

I would search for hard money lenders and find out about what their programs are.