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All of them. Filters raise the response rate, too. But they'll charge more for filters.
1. Why else would some IMOs own their own lead house. Why would the ones that dont own the lead house white label their DM program with companies like RGI... & have the risk of having to pay for 3 weeks of leads if the agent runs off?
That's a lot of headache to go through to not make any profits.
2. FB leads cost $3-$7 each to generate for a straightforward wording ad & IMOs charge $20-25 per lead. So are they only making money off FB leads and not DM? Unlikely.
3. Ask all the IMOs on this site for their prices + lead cards. Why is the price different with everyone? One IMO that has posted on this thread is $9 per lead more expensive than another... & it's the same exact card I'm referencing. Add on filters and they make even more.
I would be willing to bet that IMOs make more money on leads than they do overrides on the majority of the average to low producing agents. Profits on the overrides from top producers are a different story... but y'all know how scarce that is.
Now if I go missing after posting this you guys know why... LOL
I cant speak about most of what you've outlined, but I tend to agree with your assessment of facebook leads. For the most part, an FE facebook lead will run you $10 TOPS. The IMO's selling them for more than that are making really good money. Nothing wrong with that, but its easy to create your own campaign, and generate the same lead for a fraction of the cost.