Skip the pre-packaged tools and build your own, focusing on the fundamentals.

Typically, sleazy lenders will keep repeating no points and show you a great rate, then when you get under contract and see the Loan Estimate you see that there is a 1% origination fee - basically the same as points just packaged differently.

But I always tell people and I live by this do something for yourself because, you may or may not encounter the same experience as someone else.

For example, I've recently encountered more potential 203K/renovation loan deals, which has led me to actively seek out HUD Consultant contacts.

They can see the progress they have made over the years and hopefully it will help build confidence in them for those dark days all real estate investors eventually encounter. 

I got a person on the "special offer" line, who was selling some kind of auto repair package. 

Provide a curated welcome package with local snacks, a bottle of wine, and a personalized note.

The actual mortgage was packaged up and sold long ago (within a few weeks of closing) in the form of a mortgage backed security.

You're effectively buying a package of 3 properties.

Here's my favorites: Meg Rowlett - Park Atlanta Homes, https://www.parkatlhomes.com/adu-packages, Jeff Cox, Cox ADU https://www.instagram.com/cox_adu/, ATL ADU CO: https://www.atladuco.com/contact, Pop Custom Homes, Tyler Kitchens https://www.popcustomhomes.com/.