My perspective is that a business relationship have elements of trust, fear and greed.

q=RMLO+arizona&ie=ut...Going through an RMLO will protect you in case the buyer of the owner occupant property sues you on the basis of the Ability to Repay Rule not being adhered to.

We are a young couple just getting started and we know that real estate has the ability (if done correctly) to provide us with an income that will allow us to to the things we want to do, rather than the things we "have" to do.

If the loans are backed by the gov't, they have a lot of power to garnish wages or simply empty a bank account, greatly impacting the ability of the tenant to pay rent.- Tom

Hi Iris, I would never let another wholesaler tie my deal up to find a buyer, that does not have the ability to close.

I wish one of the features of being a Pro member was the ability to turn off the stupid noisy ads on every bloody page in the forums. 

Ability to find more investors over time.  

@Rob Randle  Question #1: Will you guarantee you will not make any rule changes, or implement any special fees, or otherwise do anything to cost me money or effect my ability to rent this property?

They also probably offset the cost of the warranty by charging a significant premium for the work they did to get this note re-performing.Their warranty also states that they can replace your note with an equivalent note so if one fails and they don't want or have the money to give you your principal back they can just give you another note and buy themselves more time.Their business is also growing at a fast pace and they are betting the growth will offset any losses(low chance of them losing though after the premium, low volume of performing notes, and ability to replace notes) and the warranty helps grow it faster.This is how their warranty makes sense to me.

Once you pay it, you demonstrate to the bank your ability to settle debt...you are building a relationship with a bank and can take out larger and larger loans with better interest rates to invest.