I think the funder adds a fee and a hefty commission through a calculated percentage of cost of overhead, cost of defaults, investors portions, etc...

it does seem a little odd that a broker feels they have the right to randomly come in and say "hey i dont really care about any of that i just want to make more money". I also do agree that getting paid 12 points should make anyone and everyone very rich if you just play this game the right way which 100% involves renewals.