When I started off, I didn't have much cash, but I had a good W2 job and solid credit. 

Security deposits need to be handed over or credited at closing so you can refund them later.

Do you have two big car payments or credit cards?

I hadn't heard of such a product. 

Treating them as “one applicant” without running both names is how you accidentally inherit someone with a surprise eviction, bad credit, or a criminal record.Run a full check on both — background + credit.Even if the spouse isn’t the income source, you still want to know who’s living there.

As I have said they can throw people out for negativity so you will unlikely get a true and honest review from anyone in a forum like this. these training companies just follow MLM tactics  ala Amway etc.. right down to the sell the product make money. its all the same marketing just the product is different.

I have excellent credit and no other outstanding debt other than the mortgage I am acquiring next Monday.

Imagine spending several hours, structuring a loan for your client that makes sense, all for the lender to go around you, use the information you gave them,  and not give you any credit or even touch-base with you and say "hey by the way, your client contacted us directly". 

Each renter/buyer is unique and will require specific attention to their unique situations including income, credit, equity, seller credits, Rent to own credits or premiums.

It can also help increase credit scores, offer proof to offset future loans and mortgages in the form of pay history, landlord experience, and for tax deductions.