I have a couple of online portals that make it very easy to purchase renters insurance in a few minutes.

I provided a foundation that prepared him for life.  

I would think since other programs are $50K, $40k and so on, that $15k is rather appropriate, providing they are providing the appropriate training.I am not advocating for group learning.

You can do this through BP calculators or other ones online.

My advice, don't take advice from people on an online forum (especially ones who give you an answer from chatGPT), go with the professional's opinion.  

What value do you intend to provide your customers that those two options don't?

Tom Wheelwright’s books contain more detailed information than the online courses do.

This might be because their credit score is too low or the house needs fixing.Although each lender can make their own rules about how to qualify a borrower and their investment, like needing a certain credit score; I believe that flexibility is the best thing about hard money loans since it provides each individual with vast amount of options.  

Here is some information that might be helpful.Rent Collection/Property Management:For collecting rent from multiple tenants and managing your property, here are a few popular options:Cozy.co: This platform is free for landlords and provides rent collection, expense tracking, and even maintenance request functionalities.Buildium: This is more comprehensive and suitable if you ever decide to scale up and manage multiple properties.

Is there a referral agent contract normally provided?