You the consumer are paying for it, should I elect to use her services for our transaction.

While it can be very lucrative it can also be very time consuming if not set up correctly.

It seems simplistic on the outside, but once in the trenches there is a lot involved and can be very time consuming. 

Your lenders are watching what you do right now, and the best thing you can do to give them confidence is to live conservatively and do your best to elimiate non-auto consumer debt.

Residential sales seem to have a great impact on the economy , as we know the biggest reason for 2008 debacle is sub prime loans for real estate .Talking from vague memory here , the boox tax loop holes of real estate investing , has a very good explanation of why governments encourage home buying through incentives and how a consumer can take advantage of this .I also have to tell one important thing I learned about the recent tax changes , so I don't mislead anyone in to thinking that buying a home has great tax benefits for everyone .

And that “utility bills” mean they pay for what they use (i.e. trash services, water, gas, and electricity they actually consume).

You can often search yourself online but it is time consuming so worth it to just buy the list. 

The way we structure it allows high ROI potential for the 15% partner, even though they are paid out after the senior investor makes a more modest return. 

You can click here: https://www.njrealtor.com/consumers/realty-transfer-fee-calculator/ The title company has a closing fee which is normally split between buyer and seller.   

Texas is a little more free with these kinds of loans but very good point for certain states.Yes I thought it was an appropriate time to mention that to the audience since many times they don't really understand why HML do what they do.Like in 12 states  OR CA NV for instance you MUST be a fully state licensed and NMLS registered to do any kind of loan on 1 to 4. in CA you can use a CA broker license as well as a consumer finance license.. so 3 ways in CA but you need at least one of them.In Oregon STate license and NMLS.. and in NV state license NMLS AND brick and mortar..