I told her about my company's strategy and what we're looking for and she tells me that she has a few people with "programs" that might be able to make that happen.  

Secondary mortgage institutions, which owns the mortgage, are backed by the government, could care less. 

Also, you can come up with an expense reduction program. 

They might need to spend time working for a development company, or devote some time to talk to some, or something, but to me, a regular government educational requirement only points you to the direction where you won't get sued, they won't actually require to get the agent "educated" on actual and factual basis.

As long as our government keeps a $18 trillion dollar deficit as as along as global deflation from China and the third world keeps interest rates at historic lows, real estate will keep being a boom and bust in Seattle.

If I had to choose who to do business with, I'd take a bank worker over a government employee any day.I tell every one of my tenants the same thing, the deposit slip is your rent receipt so you need to keep it.

However, you shouldn't have to spend hundreds of dollars, or thousands of dollars on a software program to be able to use QuickBooks, when all you need to know is how to use QuickBooks. 

@Monica Sanchez Welcome.It's easy for us to help if you show us your options: One company has this program ___ and this ___ compensation, another has x and the third is y.

For those of you familiar with trello, I created a few lists; "Email Lead" when an email comes in, "Questionnaire sent" when I emailed them my pre-screener, "Physical Visit" when they passed my prescreen and I scheduled an in person visit, "Awaiting Application" I gave an application to everyone that came to a physical visit "Application Received" When I received their application "Background check" when they passed the application review and were sent a background check request "To Landlords" when they passed the background check and now needed to be reviewed by the decision makers "To Deny" for anyone that did not meet criteria If anyone wants to see what this trello board looks like, let me know For the background check, I used the SmartMove program recommended in the ultimate guide to tenant screening and it worked very well.

My advice @Kevin Timbers, your money is better served using it to buy the liens or the deeds, not the "guru" program.