[jotucker1983]

This is a very good discussion and I hope it continues.

I also think a lot of broker houses are seeking the "10 points minimum" because they are blowing through a ton of capital to acquire the client as well as having a high cost of general operations. So they want to have their inside team use whatever type of tactic to make sure they get 10 points on a deal so they can try to recoup or become profitable on the first deal funded, even though a lot of them still aren't profitable on the first deal funded due to their high operational costs.

It's a side benefit to being a one man show like I've been, I don't have a high operational or marketing cost. My "actual and real" business expenses are significantly low, so low they honestly don't even register.

This allowed me to do what's best for the client, win deals from these competing broker houses (because my deal is centered more for the client than making 10 pts on one transaction), and have a longer renewal period with most of the clients where I could "sit back" and do nothing all month but just manage my renewal portfolios.