Well you've got some misconceptions in your thinking.There aren't legal arguments for or against brokering without a license.

The less cash you use, means the faster you get to profitability on your property.As a spinoff from that, this also means that paying a higher down payment under the misconception that by turning negative CF in positive CF is a good thing. 

I just think there is a misconception with rental properties as to how much an LLC will protect you, especially for newbies (as this thread discusses).

Insurance typically doesn't cover legal fees.I think you are operating on a misconception.

This is a common misconception that people usually don't realize until they are in the deal.

Ok people, I am going to pull back the PM curtain in hopes to dispel some of these ridiculous assumptions and misconceptions.

This means that even if you knew how to do the same work of finding them and staying up to date on all their guidelines and loan terms for any given time, if you called them and asked for a loan, they'd likely answer "sorry, but we don't do that, please call..." and give you the name of one of their mortgage broker partners.I'm not sure if that exactly answers your question, but I appreciate you asking it, as I think there is a lot of misconception over what different entities in lending do, and how the process works.Bottom line, if you very rich with great credit and just want to buy mansion to live in, you probably want to call Chase or Wells Fargo rather than me.

I think there is a severe misconception that banks/lenders "make a decision" based on risk, but actually, it's about whether or not the profile/situation fit the rules set forth by the institutions, otherwise the bank/lender can face huge consequences including fines and not being allowed to originate Conventional loans. 

That's a total limiting belief and misconception. 

Also being that there is such a misconception with architects and their services, I should note that there's a very big difference between an architect, one that is licensed & registered to practice architecture, and a drafter.