The discount points are higher -- here's FNMA's Loan Level Pricing Adjustment matrix -- or you can take a higher rate if you wish. 

A few that  I am talking to right now are former customers (I am in construction and have lots of customers who are high net worth individuals AND have an established friendship/trusting relationship with.

Which is crazy given the median income levels. 

As subject to, lease/option, wrap or all inclusive trust deed deals.  

I was listening to a podcast a few weeks ago and remember hearing about one of the guests talk about a book that had to do with calculus and how its a lot easier to learn upper level calculus before learning basic algebra.

I'm looking for a trusted contractor in Spokane. 

Knows my business inside and out, does my personal taxes as well, and I trust him with his decisions on my taxes. 

I don't think it's a bad idea to pay for coaching and education but I also can't just trust this company and think that they will give me 100% GOOD education and GOOD coaching/ mentoring for 12.5k (if my coworker and I split it).

Taxes, IRS, other factors may still hold, and truth is, I don't trust the government office to provide full color on title.  

Trust me, you'll live.