I think it's a shame that fear of litigation often prevents consumers from sharing information with each other.

Just curious if the numbers look right to experienced wholesalers before I lock it in...Let's assume the property is in a healthy market area and that my ARV is correct...

They receive somewhere in the realm of 1,000 complaints by consumers every year.

I have seen sites like CreditKarma or Credit Cards under-report and over-report consumers scores, so they are not the most accurate.

If it's not healthy, then it's probably not a good rental in the first place and you should probably sell it and get something that's a better rental (if you can't improve the numbers). 

Also file a complaint with the CFPB Submit a complaint | Consumer Financial Protection Bureau (consumerfinance.gov)Regarding do you have any legal action - you can prove you do not owe it but you will not get any compensation - courts have ruled long ago the only recourse you have is actual money you lost - there is no "pain and suffering" if a statement is incorrect and you have to fight with them on it.

Unless it’s a COA that is 2 stories or less and is very financially healthy.

As the consumer, we should be well prepared with your personal info(credit scores, dti, taxes, insurance, etc) to get a baseline estimate.

Add the other positive trends mentioned above and the real estate market is pretty healthy there thank you very much.Hope this helps!

In this case the consumer over estimates the risk of an hourly model costing more than a traditional commission model.