I am one of those that foolishly bought into their crap and am now down 50k with nothing to show for it.

After all, look at all the crap we pay for with absolutely no return on investment.  

Don't get too carried away with this, or you end up like some of those ricer nutjobs who start pulling off all sorts of random bolts and crap. 

It isn't just a bunch of gurus selling crap.

They want credit checks and all that crap.

The rest, if there is any, more up sells with a bunch more vague crap that isn't going to help you one bit unless you plop down another large amount on your credit card for the V.I.P blah blah blahExit, testimonials swearing a single mother of 20 kids with a 2nd grade education and no teeth makes a million bucks a month following the exact system.

Too much headache for me to deal with those games and crap on a daily basis.For the water company the meter should not keep spinning once the water is off at the main.

Describe what you are looking for to your agent so they set you up correctly and you aren't bombarded with emails with crap listings.  

Once you find that person, assuming the property is in good enough condition to get a traditional mortgage (price to find out = appraisal fee), you can skip all the guru crap and take over the property and mortgage as a simple rate and term refinance. 

Oh crap, Where is the undo button.