pretty much every community bank has these rules.. either they only lend in their foot print or borrower needs to be in their footprint..

There is some upside left, may be bring up to $20K/month.But here is the fine print, it in the same area.

Printing money  has that effect on real estate.

(maybe even in your own back yard) From there, there are a lot of companies that can help with the printing and mailing.

The letter we received today had a note at the bottom in fine print that said the rates quoted were based on an adjustable rate mortgage after 5 years with no more than a 1% increase per year, is that what our options would typically be?

Seems that you like the Company so far that you are looking at, but my advise is PERFORMAs are not with the paper it's printed on.

I can print reports from these legers. 

I already got it typed, printed, and notarized before I thought about this.

The only thing he hammered home was that I should take the 1-day "Ignite" class - which turned out to be nothing more than a huge pitch for the 8-week BOLD class. 

I would ask for a copy of the mentor contract, read the fine print on what he states he will provide, and then spend the time & money to research him.