I'm not a lender, but can tell you from experience working with true professionals will help you so much.

It's hard to say what your wife's true underlying concerns may be.

There's a general adage that rings true:  "Do what others won't".   

Think & Grow RichMan's Search for MeaningThe E-Myth Revisited: Why Most Small Businesses Don't Work and What to Do About ItSet for Life: Dominate Life, Money, and the American DreamPersuasionHow to Win Friends & Influence PeopleHow to Talk to Anyone: 92 Little Tricks for Big Success in RelationshipsCharisma On Command: Inspire, Impress, and Energize Everyone You MeetThe Charisma Myth: How Anyone Can Master the Art and Science of Personal MagnetismTotal Recall: My Unbelievably True Life StoryAm I Being Too Subtle?

That gave me 30 years of access to equity, and no true monthly mortgage payment.

My question is what she said is true?

As a green investor, it seems a little "too good to be true."

And it is true we do get a special pricing from the vendor...net it's probably nearly a wash, but overall makes the managing of the project smoother..so that is the benefit to the client in not contracting separately.So this comes down to you understanding the charges and the amount of the surcharge, and the PM demonstrating that they provide value for you by doing this. 

Is it true that you are required to have a real estate license in order to assign contracts ?

Is that true?