So if the actual deal was 150k for 24 at 1.15 (roughly $7200 a month) the question is what the client would have qualified for from other lenders? Would have likely been eligible for a Prime plus 2-P and I or LOC through his local bank etc.

This is a very nice deal for clients that don't realize what else is out there for them. As for game changing: my guess is that it isn't. This product line will likely be the 'lost leader' on the ODC menu. I envision them getting more submissions while only approving the 'select' few applications.