they had done a national survey to try to get a handle on conversion rates, defined as closed sales divided by raw incoming leads.While Zillow, Trulia and Realtor will not guarantee anything in terms of conversion, more than once I've heard statements like "if we got you 100 leads, do you think you could close 5 of them?" 

Build Wealth One House at a Time" by Schaub - talks about defining goals specifically and then finding the strategy that helps you achieve it; one of the few "gurus" who says you only NEED about 30 houses to be financially independent"The Section 8 Bible vol 1 and 2" - by McLean and Cipriano. 

So I'm all for customer service 1000% but it needs to be defined better.

It depends on what you define as a scam.  

My path wasn’t as defined as hers.I think education is great to land you your first job, from there it’s just experience and work ethic that will prevail.

The concern is that a HELOC is revolving credit that lenders may view as a higher debt to income ratio that is not defined solely for the home receiving rents for the property like a refi would do.

., then it could be worth it.Also, don't ever allow 'rarely' to be an excuse not to define/clarify a clause! 

You have to really define what motivation in the REI world means.

You need to be easy to work with, be respectful, establish a clearly defined detailed scope of work, lay out clear expectations of what you want done and when and hold them accountable to the goals.

It's a very longwinded answer, so stick with me.1)  Let's define some terms:  When you're talking about "liability" you're probably talking about civil liability (or "torts"), not criminal.