I try an focus on helping real estate consumers avoid being scammed, as well as helping real estate professionals get better clients, so I wonder how one could build a better business with this info, ideas?

I see what you are saying, but coming up with a no down payment deal on a single unit is outright hard and time consuming.

A person buying a house in that price range is only concerned about monthly payment so get them as high as the person can reasonably afford so that the amortization time is lessened thus enhancing the resale price for you note.  

You are acting like a consumer, not an investor.No, you probably don't have a contractual obligation nor do you like have an ethical obligation.

Can be a bit of a gray area here, so be cautious.Remember if there is a regular old Joe consumer with a legal issue confronting you as a professional Realtor....guess who will loose.Play fair and honest and should be in good shape.

So I'd like to have a relationship with the right insurance company that provides the right cover, at a reasonable value (i rate value over cost) who eventually will over time learn I'm a good customer and will turn on a dime to meet my needs.What insurances have you found you need, who is the insurer and are you happy.I'm not an insurance agent, I'm an insurance consumer but I thought getting a wide range of answers would provide a better answer - thank guys.Gerry

This will lower your payments and then you can put the extra towards your consumer debts. 

New home owner... maybe you are trying to sell them consumer items? 

Consumer confidence around here is improving, compelling many who were on the fence, able but not willing to commit, to buy.On the other hand, there's still a ton of shadow inventory in Michigan.

Short platting can be a little time consuming an will require an investment.