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Then you should ask your IMO if he'd be willing to prepay for your DM drops out of his pocket, not yours, up front for you.
Guys that are independent don't need their IMO to prepay for their agents leads,finance them for their agents and you know that. You know it's not part of an IMO's or a successful independent agent's business plan.
Maybe you'll get to their level one day,right?
Keep financing those leads for those guy's on 80% contracts,right ?