All good points SD R. You dont need to defend yourself. You are close to a full service realtor with low o/h and can work for less. I hope you never run into any problems. Agents like you do a good job for their clients but could never support the entire market. There will always be room for niche players like you.

IPayone on the other hand is a bloated pig with no advantages and they provide none of the personal service you do. They misprice listings more than anyone. They have a minimum wage admin person running CMA’s without knowing the neighborhood or ever seeing the property.I went to one of their seminars early on and listened to the CEO/Co-Founder speak. It was a classic bait and switch scam from day 1 and he is slimey. It will be good to see them vanish as they added no value to the system.