This has been tremendously helpful for us.  

Thanks Hoi,You as the owner, would source a renters insurance company that would give you a bulk discount of say $6/unit/month.

What software are you using for pricing discounts on non-performing loans sales by the state? 

There are some pretty nice discounts on many products and services offered as Perks to BP members that you might want to check out: https://www.biggerpockets.com/perks/proIf you are looking to connect with other members near you, or want to learn from people in a specific area you’d like to invest in, or have a desire to find people interested in certain topics, you could use the search feature here: https://www.biggerpockets.com/search/users

I don't think it's worth discounting their income, in fact their methods can be used as a market litmus test on how to operate.

If you plan on selling (or refinancing) before, it doesn’t make sense to buy discount points 

The few that are really discounted are under contract before they hit the mls.

I might consider it if the discount was too steep to possibly turn down but generally I would stay away from it.

Secondly, BofA has shown in a tremendous amount of situations how crooked they are.

Didn'tknow if any gurus covered such materials.Many colleges and universities will allow someone to pay for a course and "audit the course" without credits, some at a discounted rate.