Much appreciated.To everyone following this thread, I agree that some gurus are out for a buck more than good training, always attempting to upsell.

Not even up for debate.... bye Felicia....I would not renew and unless required by law in your state I would not provide a WHY....providing a WHY only opens the situation to a rebuttal and attempt at persuade you to change your mind.

Attempts to repeal Costa-Hawkins have failed in the past, but it is possible. 

How we are attempting to gain more confidence in our offers right now, is a little more conservative numbers in the analysis phase.

.- Is attempting to get 100 subject-to deals, but is not even capitalized to pay off or inject enough equity to refinance a single one of the acquired deals to have it qualify for refinance, much less a few dozen of them. 

He is also amazing at never following up, never reaching out or providing updates, and stellar at avoiding all communication attempts from the customer.

Most Mortgage Banks have the ability to broker some loans and attempt to call themselves Brokers now as consumers are getting smarter and starting to realize in most situations Brokers have better rates.

@Jeff S.I just started to attempt this now so we'll see how it goes...

Banks rarely heed attempts to beg for forgiveness

I had the misfortune of making an attempt, and I wish I would have heeded the red flags.