I know a few investors who've gone into that market and are doing well.  

You have every right to be an informed consumer, and know what you are paying for.

.- Time Savings: Managing rental properties can be time-consuming, especially when handling tenant inquiries, maintenance requests, and lease renewals.

Generally - you can make a referral fee on these types of loans if they are 100% purely business purpose - a lot of the restrictions and issues come from anything consumer-related. 

Quote from @Eva Green: Real estate investing can indeed feel overwhelming with scattered information and time-consuming processes.

Try to do all you can to be an informed consumer. 

One of the principal industry concerns about the vast power granted to the Consumer Financial Protection Bureau was that these powers were too insulated from review….The ruling sends a crystal-clear message to federal agencies that their powers are not unlimited…We would not be at this point today if government agencies were more prudent and consistent about staying within their statutory authorities, grounding their rulemakings in empirical facts, and heeding appropriate procedural safeguards…Instead, too frequently, our regulators appear to be chasing headlines and short-term political wins.”National Association of Homebuilders - “Today’s Supreme Court ruling is an important step forward to advance meaningful regulatory reform because it means that federal agencies can no longer continuously change the law – and the intent of Congress – by implementing their own interpretation of statutes as long as the interpretation is viewed as being ‘reasonable.’

The consumer doesn't have the ability to file an E&O claim against the agent, only the person who ha the policy can make a claim.

It was very time consuming to call/text them to validate and pre-screen by myself.

You count those hours and the travel time, the offer prep, the research, and your wage is low.Most consumers also think we get the whole check.