This is standard practice for the funding platforms that are doing the right way IMO.  506(b) can be used by the portals, but many that are using this exemption are arguably advertising and should be using heightened screening procedures.  

Sorry, I sense your heightened level of frustration.Ironically, I just responded to the below post from @spencer sutton at the link shown regarding Alabama. 

The state has prescribed an enforcement mechanism for punishing wayward agents.Entering the real estate transaction with the intent to broker a sale to another suggests brokering activity, which requires the observation of heightened fiduciary duties in all states.

The security level has heightened and access tracking is stricter for the DMV market.

Obviously, with the baby, our sense of danger is a bit heightened, which I think sometimes prevents us from looking at things rationally.We're totally happy to borrow.

Since you're in Canton, you have great access to the Northeast Ohio markets, and that makes your $40k more valuable than it would otherwise be in some other location with heightened real estate valuations.

We're seeing upfront cost v cashflow break-even points in the 2-4 year mark (no brainer), the norm is 5-7 (might make sense, might not, have to think about it).Needless to say, appraisers are slammed and those are taking a bit longer, due to the heightened refinance activity on top of the normal summer rush of purchase business.

He is super good with customers and is able to alleviate any heightened emotions and can recommend many places to see/do.

All these uses are not expressly prohibited by the contract (I'll bet they are, but suspend disbelief for now), but all those uses will generate premature wear and heightened expenses and/or limited use of their asset in the future. 

You will need to bring money/access to money, or a heightened knowledge base in order for them to compensate you for anything though.Stay on top of BP forums and get involved in the conversation.