To us, this defeats one of the main purposes of having supplemental guest damage insurance, which is to protect our host and property reputations by NOT arguing with guests about the damage. 

At the end of the day, it comes down to how transparent and ethical you are in the process, the investors and agents who operate with integrity usually build lasting relationships and a good reputation.

You will have to have a set of very clear rules, consequences for breaking them, and a way to maintain oversight.

Most reputable contractors lose money on a 10K reno, the overhead is too much to make the numbers work. 

They don't understand that by sending out bad deals, they're damaging their reputation with the exact people they need to do business with.So, should you dump them?

I think the simplest way to say this is with a commission sharing modelyou have to go through more leads than with just paying up front.Usually when it's commission sharing leads there's less of a vetting process,brand credibility, trust, and ease of conversation going into the lead.As long as the company is a viable one with a great reputation,there should be no issue taking a chance on paying for leads up front.Another question in mind is what's your confidence level when speaking with leads?

This is my favourite selling point that non licensed brokers use to trick borrowers into thinking that the DSCR loan is some magical loan that has zero consequence.

When I had similar questions, I found a reputable creditor's rights attorney in the area I operate in and paid for an hour of their time to get the baseline info I needed.

I know a lot of them protect the broker relationship because once they get a reputation for playing games, they'll never get any more loans. 

They provide great customer service, multi-billion dollar-sized marketing, and incredible insurance on top of letting us chip in on their reputation.