Certified RPM Coaching Partner

RPM Coach
Certification Program

Complete study guide, course curriculum, and practice quiz for the Certified RPM Coaching Partner (CRCP) designation. Built from the RPM Partnership System methodology and the Real Estate P.I.E. Recipe.

5 Sessions
~3 Hours
40 Quiz Questions
80% Pass Standard
5 Sessions
~3 Hours
20 Quiz Questions
80% Pass Standard
Certification Process

What You're Being Certified To Deliver

The Certified RPM Coaching Partner (CRCP) is trained to deliver the RPM Partnership System — the investor-facing methodology of the RPM Partnership ecosystem. You will coach aspiring real estate investors through the Real Estate P.I.E. Recipe: from understanding their current wealth season, to structuring collaborative acquisitions, to scaling toward financial freedom.

CRCP — Entry Designation

Solo RPM Coach. Delivers the RPM Partnership System to aspiring investors. Earns commissions and deal equity through program participation.

CRC — Advanced Designation

Recruits and oversees sub-coaches. Earns a 15% override on sub-coach revenue in addition to direct coaching income. Earned through performance after CRCP.

Training Format

5-Session Live Training

Half-day live session delivered by the founder. All five sessions must be completed before sitting for the certification exam.

#
Session
Core Topics
Time
1
The Philosophy
The Wealth Foundation & RPM Culture
Four Seasons of Wealth Cash Flow Domination Framework Active vs. Passive Cash Flow RPM Standard & Culture
45 min
2
Your Business
RPM Coach Role & Economics
CRCP & CRC Designations Coach Income Streams Capacity Guidelines Delegation & Scale
20 min
3
The System
Real Estate P.I.E. Recipe & Deal Analysis
3 Phases · 6 Steps Leap Frog vs. Grand Slam Yield Play vs. Value Play 5-Step Deal Analysis · 6 Critical Numbers
30 min
4
The Collaborative Framework
Roles, Deal Structures & Partner Mechanics
5 Key Inputs RPM Partner Roles Tenant-Buyer Partner Model PDAC Framework · Deal Metrics
45 min
5
Business Leverage & Tools
Funding, Positioning & Lendavo
Business Credit Strategy Lendavo Framework Affordability Framework Coaching the Path to First Deal
30 min
Certification Standards

Exam & Passing Requirements

Upon completing all five training sessions, you will sit for a written certification exam. A score of 80% or higher earns your CRCP designation. Certification is valid for 12 months and requires annual renewal to remain active.

Questions
40
8 per session · all sessions included
Passing Score
80%
32 of 40 correct required to pass
Certification Valid
12 mo
Annual renewal required to remain certified
Designation Earned
CRCP
Certified RPM Coaching Partner — issued upon passing
The RPM Standard

"The goal is not just a deal closed — it's a wealth season changed. RPM coaches are accountable to a culture where passive cash flow is the destination, and every client interaction moves the needle toward that destination."

— Founder · RPM Partnership

Certification Process

What You're Being Certified To Deliver

The Certified H.O.U.S.E. Equation Coach (CHE Coach / CHEC) is trained to deliver the H.O.U.S.E. Equation methodology to aspiring homeowners. You will guide students through the five pillars of mortgage readiness, facilitate the Discovery Conversation, uphold the Cash Flow Certification standard, and build a predictable pipeline of pre-qualified buyers for your real estate practice.

CHEC — Certified H.O.U.S.E. Equation Coach

Delivers the H.O.U.S.E. Equation to aspiring homeowners. Builds a pre-qualified buyer pipeline while earning coaching commissions, Lendavo referrals, and standard real estate transaction income.

Dual Certification Available

Complete both the CHEC and CRCP certifications to unlock all income streams — homebuyer coaching (H.O.U.S.E. Equation) and investor coaching (RPM Partnership System) — simultaneously.

Training Format

5-Session Live Training

Half-day live session delivered by the Founder. All five sessions must be completed before sitting for the certification exam.

#
Session
Core Topics
Time
1
The Foundation
Cash Flow Philosophy & CHEC Culture
Four Seasons of Wealth Cash Flow as Behavior Three Levels of Awareness CHEC Standard & Culture
45 min
2
Your Business
Coach Economics & Business Model
Four Income Streams Projected Annual Earnings Coach Responsibilities The Agent Advantage
20 min
3
The System
H.O.U.S.E. Fundamentals & App Demo
5 Pillars of H.O.U.S.E. MMR — Months to Mortgage Readiness Running the App as a Coaching Tool Business Leverage Field
30 min
4
The Coaching Conversation
Discovery · Products · 30-Day Plan
72-Hour Window Discovery Conversation Framework Product Knowledge & Presentation 30-Day Action Plan Template
45 min
5
The Certification Process
Cash Flow Certification & Lendavo
5-Step Certification Process Four Checks in Detail Supervisor Signoff Requirement What Certification Unlocks
30 min
Certification Standards

Exam & Passing Requirements

Upon completing all five training sessions, you will sit for a written certification exam. A score of 80% or higher earns your CHEC designation. Certification is valid for 12 months and requires annual renewal to remain active.

Questions
20
Distributed across all 5 sessions
Passing Score
80%
16 of 20 correct required to pass
Certification Valid
12 mo
Annual renewal required to remain certified
Designation Earned
CHEC
Certified H.O.U.S.E. Equation Coach — issued upon passing
The CHEC Standard

"The minimum is never the goal. A student who closes on a home without Cash Flow Certification has achieved the minimum. Our goal is never the minimum."

— Founder · RPM Partnership

Course Material

Study Guide — All 5 Sessions

Work through each session before taking the practice quiz. Select any session to expand its full content. All content is sourced from the RPM Newsletter (newsletter.rpmpartnership.com) and the RPM methodology documentation.

1
The Philosophy — The Wealth Foundation
Four Seasons of Wealth · Cash Flow Domination · RPM Culture & Standard
45 MIN
Core Philosophy

"The best way to get a bank loan is to prove, irrefutably, that you don't need the money." The same principle applies to wealth: you don't attract financial freedom by chasing it — you build the foundation it can't avoid.

The RPM Standard: "We don't lack resources — we only lack resourcefulness." The five key inputs for any project are Skill, Team, Funding, Deal, and Time. A collaborator needs to bring only ONE.

SOURCE: Articles 1, 3, 4, 8 · newsletter.rpmpartnership.com
The Four Seasons of Wealth
❄️
Winter
Survival
PCF < Basic Living Expenses
🍂
Fall
Stability — Tier 1
PCF = Basic Living Expenses
🌸
Spring
Success — Tier 2
PCF = BLE + Lifestyle Expenses
☀️
Summer
Significance — Tier 3
PCF = BLE + Lifestyle + Legacy
PCF = Passive Cash Flow  ·  BLE = Basic Living Expenses  ·  Legacy Expenses = charitable giving + generational wealth transfer + business building

Generational wealth begins at the Stability tier (Fall) — when children inherit income-producing assets that cover their basic living expenses.
SOURCE: Articles 1, 3, 8, 11 · newsletter.rpmpartnership.com
Cash Flow Domination Framework
Step 1 — Stabilize
Know your real verified cash flow number. Get to consistent positive cash flow. This is what the coaching program and certification process accomplish.
Step 2 — Protect
Defense. Preserve what you have. Guard the cash flow you've stabilized. Don't let lifestyle inflation erode progress.
Step 3 — Grow
Offense. Deploy cash flow to acquire income-producing assets. Transition from active to passive cash flow. This is where deals happen.
Active vs. Passive Cash Flow
Active Cash Flow
Earned by trading time for money. Wages, salary, consulting fees. Stops when you stop working. The Rat Race.
Passive Cash Flow
Income from assets working for you. Rental income, equity distributions. Continues whether you work or not. The destination.

The Wealth Transition: The ultimate goal is to transition from active cash flow to passive cash flow that progressively funds all living, lifestyle, and legacy expenses. Each acquisition accelerates this transition.

Financial Freedom Defined
Financial Freedom
When passive cash flow meets or exceeds basic living expenses. Four wealth seasons above map the progression from Survival to Significance.
Financial Literacy
The skill of creating or acquiring income-producing assets. Not budgeting — asset building.
Affordability
Anything that maintains your minimum cash flow floor or minimum cash reserves floor is affordable. Any decision violating either floor is unaffordable — regardless of income.
SOURCE: Article 11 · newsletter.rpmpartnership.com
2
Your Business — RPM Coach Role & Economics
CRCP & CRC Designations · Income Streams · Capacity Guidelines
20 MIN
RPM Coach Designations
CRCP
Entry Designation
Certified RPM Coaching Partner. Solo RPM Coach. Delivers the RPM Partnership System directly to investors and aspiring investors. Entry point for all newly certified RPM coaches.
CRC
Advanced Designation
Certified RPM Collaborator. Recruits and oversees sub-coaches. Earns a 15% override on all sub-coach revenue. Earned through performance after CRCP — not purchased.
What an RPM Coach Delivers

The RPM Coach delivers the RPM Partnership System — the investor-facing methodology. This is distinct from the H.O.U.S.E. Equation (homebuyer-facing). RPM coaches work with clients who are investment-aware and pursuing passive income through collaborative real estate.

1
Coach the Wealth Foundation
Help clients identify their current wealth season and establish their personal freedom number (PCF target).
2
Guide Through the P.I.E. Recipe
Walk clients through the Real Estate P.I.E. Recipe — Prepare, Acquire, Expand — step by step.
3
Structure Collaborative Deals
Help clients identify their entry vehicle, position their offer, and enter deals alongside a Real Estate Collaborator.
4
Introduce Business Leverage Tools
Strategically introduce Lendavo (business credit building) when client readiness is confirmed. Never as a sale — as a solution.
Coach Income Streams
Coaching Program Fees
25% commission on monthly coaching program fees. Recurring income tied to active client count.
Master Class Revenue
25% of each live master class enrollment from their client roster.
Lendavo Enrollments
25% commission on Lendavo product enrollment ($2,997 retail · $995 cost · $500 coach earnings).
Deal Equity
Participation in deals alongside the Real Estate Collaborator. Income tied to project outcomes — not a coaching fee.
CRC Override (if earned)
15% override on sub-coach revenue. Earned after CRCP through demonstrated performance.
Coach Capacity Guidelines
1 – 20 Active Clients
Below target. Prioritize outreach and workshop activity to build pipeline.
21 – 40 Active Clients
🟢 Sweet spot. Operating target. Recurring income is meaningful. Quality is preserved.
41 – 50 Active Clients
🟡 Monitor. Viable with strong discipline. Quality risk if 1:1 demand spikes.
51+ Active Clients
🔴 At capacity. New leads routed to next coach in rotation. Coach notified immediately.
3
The System — Real Estate P.I.E. Recipe
3 Phases · 6 Steps · Deal Analysis · Leap Frog Method
30 MIN
The Real Estate P.I.E. Recipe

P.I.E. = Passive Income Expansion. A six-step framework across three phases for acquiring income-producing real estate through collaborative investing.

P
PREPARE
Step 1: My Season of Wealth — Identify your current wealth season and set your freedom number. Step 2: My Wealth Strategy — Choose your approach: Yield Play or Value Play. Choose your plan: Leap Frog or Grand Slam.
A
ACQUIRE
Step 3: Source Deals & Funding — Apply your buy box. Find properties and collaborative funding partners. Step 4: Negotiate for Winners — Structure deals so all parties win.
E
EXPAND
Step 5: Activate the Assets — Place the right tenant or Tenant-Buyer Partner. Step 6: Optimize & Expand — Refinance, execute 1031 exchanges, and repeat to scale.
SOURCE: Articles 1, 2, 8 · newsletter.rpmpartnership.com
Two Wealth Strategies
Yield Play
Parking capital to achieve target returns. Focus on cash-on-cash ROI and stable cash flow. Less active renovation involvement.
Value Play
Forcing appreciation through strategic renovation. Focus on equity multiple. Higher upside through active value-add work.
Two Acquisition Plans
Leap Frog Method
$0 – $150K seed capital
Acquire four single-family rentals sequentially. Each acquisition builds equity used to "leap" to the next. Designed for participants with limited initial capital. Target: real financial freedom in 6 years or less.
Grand Slam Method
$150K+ seed capital
Directly acquire small apartment complexes or commercial property combinations. Higher entry capital, faster scale. Skip the single-family step.
SOURCE: Articles 1, 2, 3, 5 · newsletter.rpmpartnership.com
The Six Critical Numbers
1 · Cash Needed
Total capital required to close and fund the project (down payment + closing costs + reserves).
2 · Rehab Costs
Light: $20/sf · Medium: $30/sf · Heavy: $40/sf · Plus $7,500 per major repair item.
3 · Cash Flow
Net monthly income after all operating expenses and debt service.
4 · Cash on Cash Return (COC)
Annual cash flow ÷ initial cash invested. Minimum target: 5% for Fix & Rent.
5 · After Repair Value (ARV)
Estimated property value after renovations. Based on 3-5 comparable sales within 6 months.
6 · Equity Multiple
Total net equity gain ÷ initial investment. Minimum target: 1.0 (i.e., doubles the investment). Primary wealth-acceleration metric.
MAO Formula (Maximum Allowable Offer)
ARV × % (based on strategy) − Repair Costs = MAO

COC Return = Annual Cash Flow ÷ Cash Invested
Equity Multiple = Total Equity Gain ÷ Initial Investment
SOURCE: Article 9 · newsletter.rpmpartnership.com
Five-Step Deal Analysis Process
1
Determine ARV
Find 3-5 comparable sales within the past 6 months in similar condition. Calculate average price per square foot to establish post-renovation value.
2
Estimate Repairs
Apply the formula: Light ($20/sf), Medium ($30/sf), Heavy ($40/sf), plus $7,500 per major repair item. Build in reserves.
3
Calculate Maximum Allowable Offer (MAO)
Apply the buy box formula: ARV × strategy percentage − repair costs = MAO. The ceiling for your offer.
4
Make the Offer
"NO Offers = NO Deals." Every offer — even the no — reveals seller motivation and opens the door. Volume of offers drives deal volume.
5
Collaborate for Scale
Leverage partnerships to execute deals beyond individual capital or time capacity. A Real Estate Collaborator can orchestrate unlimited acquisitions through the right partner structure.
SOURCE: Article 9 · newsletter.rpmpartnership.com
4
The Collaborative Framework
RPM Partner Roles · Deal Structures · PDAC · Win-Win Mechanics
45 MIN
The Five Key Inputs

Every real estate project requires these five inputs. A collaborator needs to bring only ONE — the remaining four can be sourced through partnerships.

1 · Skill
Leadership ability to execute the project plan. Coordination, decision-making, problem-solving.
2 · Team
Real estate professionals. Agents, lenders, contractors, escrow officers, property managers.
3 · Funding
Capital from any source. Personal savings, business credit, investor partners, lines of credit.
4 · Deal
A property meeting investment criteria. Sourced through agents, direct outreach, deal scouts, or off-market channels.
5 · Time
Contributed by all collaborators. The most democratically accessible input — every participant has time to contribute.

"Together, there is no deal we can't do" when equipped with proper systems, partners, and offers.

SOURCE: Articles 1, 2, 4, 7 · newsletter.rpmpartnership.com
RPM Partner Roles
Real Estate Collaborator
Central deal executor. Organizes all five inputs. Conducts deals at every wealth level. The destination role — earned through track record, not purchased. Like a symphony conductor ensuring each participant excels.
RPM Acquisitions Partner
Attracts motivated sellers, creates deal flow, makes offers alongside a Real Estate Collaborator. Time-based entry. Gateway: 3 offers made.
RPM Disposition Partner
Attracts passive funding partners. Orchestrates introductions between prospective RPM Partners and the Real Estate Collaborator. Gateway: 2 strategy sessions orchestrated. Self-dealing rule applies.
RPM Landlord Partner
Funds fix & rent projects alongside a Real Estate Collaborator to build long-term cash flow. Capital-based entry: $20K–$40K Proof of Funds.
Tenant-Buyer Partner
Achieves homeownership via lease-option or collaborative investment. Screened by minimum net monthly cash flow — not just credit score. Builds equity while occupying the property.
RPM Deal Scout
Identifies and submits off-market properties via the driving for dollars app. Most accessible entry vehicle — no capital required. Gateway: 5 properties submitted to RAP.
Self-Dealing Rule — Disposition Partners

Critical Rule: A Disposition Partner may NOT serve as RPM Disposition Partner for their own passive position in a deal. They may only serve as RDP for other passive partners' positions that they personally sourced in the same deal.

The Tenant-Buyer Partner Model

The right tenant isn't screened by credit score alone — they are screened by minimum net monthly cash flow. A Tenant-Buyer Partner accepts three responsibilities in exchange for equity participation:

1
Service Debt Obligations
Pay rent and meet all financial obligations on the property consistently.
2
Preserve or Improve the Property
Maintain and enhance property condition. Aligned incentive — they own part of the outcome.
3
Generate Passive Income for the Landlord
The rent paid creates the cash flow that funds the landlord's wealth strategy.
Example Distribution — Single-Family Collaborative Deal
RPM Landlord Partner: $20,000 equity (66% return on $30K investment)
Real Estate Collaborator: $20,000 equity
Tenant-Buyer Partner: $10,000 toward future acquisition
SOURCE: Articles 5, 6 · newsletter.rpmpartnership.com
The PDAC Framework — Path to First Deal
Position
Optimize cash flow and credit. Complete a cash flow statement. Establish freedom number. Build business credit ($50K–$200K within 6 to 9 months via Lendavo or direct strategy).
Develop
Select strategy and plan. Choose Yield or Value Play. Choose Leap Frog ($0–$150K) or Grand Slam ($150K+).
Assemble & Attract
Build the team and attract partners. Identify vendors and collaborators. Offer value aligned with what each partner needs.
Close
Execute the deal and repeat. Systematically close and cycle the process. Scale through collaboration, not individual capacity.
SOURCE: Article 2 · newsletter.rpmpartnership.com
Four Leadership Competencies of a Real Estate Collaborator
1 · Strategic Listener
"The Observer." Remove personal motives. Focus on solving others' problems. Conversation marketing: listen to discover value-add opportunities.
2 · Investor
"The Hunter & Grower." Consumers spend hoping to save. Investors make investments expecting to grow. Constantly hunting for profitable opportunities.
3 · Visionary
"The Creator." Observe problems and organize the five inputs to create real estate solutions that address those specific challenges.
4 · Seller-Buyer
"The Communicator." Selling is communicating value to help people make decisions they already desire. Both parties in any transaction are simultaneous sellers and buyers.
SOURCE: Article 7 · newsletter.rpmpartnership.com
5
Business Leverage & Tools
Business Credit · Lendavo · Affordability · Coaching to First Deal
30 MIN
The Banker's Paradox

"The best way to get a bank loan is to prove, irrefutably, that you don't need the money." Banks prioritize helping established businesses grow — not helping startups get started. This creates a catch-22 that business credit solves.

SOURCE: Article 12 · newsletter.rpmpartnership.com
Business Credit vs. Personal Credit
Operates Independently
Business credit is entirely separate from personal credit. Does not affect your personal credit report or personal credit score.
No Personal Collateral
Business credit lines are issued on the strength of the business entity — not personal assets or personal credit history.
Capital for Deals & Repairs
Provides zero-percent interest capital (introductory periods) to fund acquisitions, cover unexpected repairs, and bridge cash flow gaps without stress.
Building Timeline
Systematic 6-month building process unlocks $50K–$200K in business credit. Early preparation is essential — build the credit before you need it.
SOURCE: Articles 2, 12 · newsletter.rpmpartnership.com
Lendavo — Business Credit Building Software
What It Is
A licensed business credit building software and coaching product. Helps clients systematically build $50K–$200K in business credit within 6 to 9 months.
When to Introduce
Strategic introduction — never as a sale. Prerequisites: Cash flow statement and balance sheet completed. Budget fit confirmed. As early as the first coaching session if readiness is confirmed.
How to Introduce
Run the numbers live with the client. Show how the business leverage amount moves their deal timeline. "This is what's possible. Do you want to learn how to get there?"
Economics
Retail: $2,997 · Cost: $995 · Coach commission: 25% of net ($500) · Payment plan available at coach's discretion.

Key Insight: Financial investment increases commitment. Clients who invest in their tools early stay more engaged. Budget confirmation before introduction ensures it never feels like a pitch.

The Affordability Framework

The question "Can I afford this?" becomes objective when answered through the lens of two floors:

Minimum Cash Flow Floor
The minimum net monthly cash flow that must be maintained. Any decision that drops you below this floor is unaffordable — regardless of income level.
Minimum Cash Reserves Floor
The minimum emergency/operating reserve that must be held. Any decision that dips below this floor is unaffordable — regardless of the deal's upside.
Brian & Cheryl Case Study (Article 11)
Monthly Income: $9,000 · Monthly Expenses: $8,100
Active Cash Flow Floor: $900/month minimum maintained
Cash Reserves Floor: $5,000 emergency fund maintained
Any investment decision is evaluated against both floors before proceeding.
SOURCE: Article 11 · newsletter.rpmpartnership.com
Mortgage vs. Asset Acquisition — The Real Decision

One of the most common client questions: "Should I pay off my mortgage faster?" The RPM answer reframes the question entirely.

Aggressive Payoff Strategy
Example: $260K mortgage paid off in ~10 years by redirecting $1,100/mo cash flow. Saves ~$177K in interest. Reaches ~$358K in home equity. One asset, one outcome.
Income-Producing Asset Strategy
Same resources deployed into rental acquisitions: $4,000/mo passive income within 6 years covering the mortgage + additional cash flow, plus ~$540K in rental property equity. Multiple assets, multiple outcomes.

The RPM Principle: Acquiring multiple appreciating, income-producing assets creates superior wealth outcomes compared to single-asset appreciation alone. Passive cash flow is the ultimate goal — not a paid-off mortgage.

SOURCE: Article 10 · newsletter.rpmpartnership.com
Course Material

Study Guide — All 5 Sessions

Work through each session before taking the practice quiz. Select any session to expand its full content. All content is from the official CHEC Certification Training Curriculum.

1
The Foundation — Cash Flow Philosophy & CHEC Culture
Four Seasons of Wealth · Cash Flow as Behavior · CHEC Standard
45 MIN
The Four Seasons of Wealth

Taught at the beginning of every workshop — before the H.O.U.S.E. app, before the MMR, before anything else. Without it, a closing date is just a finish line. With it, it is the first step in a wealth journey.

❄️
Winter
Survival — The Rat Race
PCF < Basic Living Expenses
🍂
Fall
Stability — Tier 1 Freedom
PCF = Basic Living Expenses
🌸
Spring
Success — Tier 2 Freedom
PCF = BLE + Lifestyle Expenses
☀️
Summer
Significance — Tier 3 Freedom
PCF = BLE + Lifestyle + Legacy
PCF = Passive Cash Flow  ·  BLE = Basic Living Expenses  ·  Legacy = charitable giving + generational wealth + business building
What Cash Flow Really Is

The Core Distinction: Cash flow is not what you make. It is what you keep — consistently. A person can have $5,000 net cash flow on paper and zero accumulating in their account if every dollar freed up gets spent. That is income, not cash flow.

Level 1 — Unaware
"I don't know where my money goes." Living paycheck to paycheck with no visibility into what's actually happening.
Level 2 — Aware
"I know what I spend, but I still run out." Has a budget, tracks some expenses, but cash flow doesn't accumulate.
Level 3 — In Command
"My cash flow is verified and growing." Behavior matches declarations. This is Cash Flow Certified. The coaching goal.

The Wealth Building Principle: Wealth is not built by earning more. It is built by consistently keeping more than you spend — and deploying what you keep with intention. This is the operational standard against which every student is measured.

The CHEC Standard & Culture

The CHEC Standard: "The minimum is never the goal." A student who closes without Cash Flow Certification has achieved the minimum. That is the moment when the standard matters most — when a student is close to closing and it is tempting to let certification slide.

Five Failure Points
Students fail because they are unsupported — not incapable. The five failure points: (1) Don't know what to do first, (2) Momentum fades within 72 hrs, (3) Hit obstacle and freeze, (4) No one in their circle has done this, (5) Lose confidence when progress is slow.
The Origin Story
Samantha and Justin — They didn't fail because they were incapable. They failed because they were uninformed. That is a system failure. The H.O.U.S.E. Equation exists to make sure it never happens again. Tell this story in every coaching session.
2
Your Business — Coach Economics & Business Model
Four Income Streams · Projected Earnings · Coach Responsibilities
20 MIN
The Core Business Case

The H.O.U.S.E. Equation does not replace your real estate business. It feeds it — systematically, with pre-qualified buyers who are on a defined path to readiness. That is not a lead. That is a relationship with a closing date attached.

Four Income Streams
Live Master Class
$147/attendee
25% commission = $36.75/student. One-time per student. For non-coaching students only — coaching students attend free.
HE Coaching Program
$97/month
25% commission = $24.25/month · $291/year. Recurring monthly income. The income that compounds as your student count grows.
Lendavo
$2,997
25% commission = $749.25/enrollment. One-time. Introduced only when app shows meaningful MMR acceleration — never as a sales pitch.
Home Sales Commission
3% of purchase price
75% to agent = ~$5,063 on $225K avg. Per transaction. Income you would have earned anyway — now backed by a pre-qualified pipeline you built.
Projected Per Coach · Per Year (200 Workshop Referrals)
Total projected compensation: ~$119,726
Recurring monthly coaching income once enrolled: ~$776/month
Coach Responsibilities
1
Drive Traffic to Workshops
Promote FREE H.O.U.S.E. Equation Workshops within your sphere, brokerage, and community.
2
Coach Enrolled Students
Guide students through all five H.O.U.S.E. pillars until their closing date.
3
Sell Products as Needs Are Revealed
Match student needs to solutions using the H.O.U.S.E. app — observe and match, never pitch.
4
Uphold the Cash Flow Certification Standard
The standard does not change based on proximity to closing or personal relationships.
3
The System — H.O.U.S.E. Fundamentals & App Demo
Five Pillars · MMR · Running the App as a Coaching Tool
30 MIN
The Five Pillars of H.O.U.S.E.
H — Harness the Power
of Your Cash Flow & Assets
Net monthly cash flow, savings, down payment assistance, and investor support. Every dollar here reduces the MMR.
O — Optimize
Your Credit Profile
Credit score, charge-offs, payment history. Determines mortgage qualification timeline.
U — Understand
Your Rental History
Verifiable rent payment history proves housing cost capability. Directly impacts MMR.
S — Stabilize
Your Employment
Consistent employment in same job or industry. 24 months is the lender benchmark.
E — Empower Yourself
with Debt Management
Debt-to-Income ratio (DTI) must fall below qualifying threshold. Manage debt to qualify.
The MMR — Months to Mortgage Readiness

The Emotional Promise: "It's not as bad as you thought." The MMR delivers hope and relief — a specific projected closing date the student has never had before. That moment already happened at the workshop. Your first coaching session re-anchors and builds on the belief the workshop created.

Running the App in a Coaching Session
1
Open the App Together
Share your screen or sit side by side. Collaborative exercise — not a presentation.
2
Enter Their Numbers
Walk through each pillar input. Ask questions. Let them see how each number affects the MMR in real time.
3
Reveal the MMR
Let the closing date land. Do not rush past this moment — it is the emotional peak of the Discovery session.
4
Re-Run with Business Leverage
Enter up to $50,000 in the Business Leverage field. Show how it moves their closing date. This is how you introduce Lendavo — not with a pitch, with a demonstration.
5
Build the Action Plan
"Now that you know your number — let's talk about the first 30 days."
4
The Coaching Conversation
Discovery · Product Presentation · 30-Day Action Plan
45 MIN
The 72-Hour Window

Critical Rule: If you do not have a scheduled first coaching session within 72 hours of the workshop — you will lose most of them. Not because they changed their mind. Because life filled the gap. Your #1 job at every workshop: schedule the first session before they leave the room.

Discovery Conversation Framework
1
Reconnect
"What was the biggest thing that hit you from the workshop?" — Articulation deepens commitment.
2
Complete the Declaration Form
Get their declared income, expenses, and what's left over. This is the benchmark everything else measures against.
3
Run the App Together
Enter their data, walk each pillar, reveal the MMR. Let the closing date land — do not rush it.
4
The Lendavo Demonstration
Re-run with business leverage. "This is what's possible. Do you want to learn how to get there?"
5
Build the 30-Day Plan
Specific actions based on their MMR blueprint. Vague plans die by Wednesday.
6
Schedule Next Session
Enrollment happens mid-session — one continuous conversation. Student does not leave and come back.

Questions That Reveal Everything: "What would it mean for your family if you owned your home in 12–18 months?" · "What has stopped you before?" · "Is there anything about your finances you haven't told me yet that I should know?"

Four Products — Know Them Cold
Live Master Class
$147 · non-coaching only
Deep education on all five pillars. "The Master Class is where we go deep on your specific pillars — based on your MMR, you need to focus on [X and Y]."
HE Coaching Program
$97/month
12 months of structured coaching across all five pillars. "This is the infrastructure that keeps you moving when life gets in the way."
Lendavo
$2,997
Never pitch. Always demonstrate with the app first. Only introduce if the app shows meaningful MMR acceleration. "This is what's possible. Do you want to learn how to get there?"
Investor Collaboration
Directory — post-certification
Opt-in listing for Cash Flow Certified students to connect with RPM investor partners. "Once you are certified, you have the option to be listed in our investor directory."

The Rule: If the H.O.U.S.E. app does not show a clear benefit — do not introduce the product. Let the student's numbers tell you what they need.

5
The Certification Process
Five-Step Process · Four Checks · Supervisor Signoff · What It Unlocks
30 MIN
The Five-Step Certification Process
1
Self-Declaration
Student completes the Cash Flow Declaration Form — stated income, all expenses, net cash flow, and primary bank accounts. This declared amount becomes the benchmark for the entire review.
2
Statement Submission
Student submits 6 months of bank statements. Option A: prior 6 months. Option B: rolling monthly going forward. Either way — 6 months of verified consistency is always required.
3
The Four Checks
AI Cash Flow Reviewer performs: (1) Income Consistency, (2) Expense Reality Check, (3) Net Cash Flow Confirmation, (4) Behavioral Pattern Review.
4
Admin Forwards Report
Admin receives AI-generated summary and detailed reports. Forwards to founder for final approval. No analytical role — logistics only.
5
Supervisor Signoff
Founder or designated supervisor reviews and approves before any certificate is issued. Mandatory on every certification — no exceptions.
The Four Checks — In Detail
Check 1 · Income Consistency
Are deposits recurring and predictable? Do they match declared sources? Look for: gaps in income, undisclosed sources, irregular deposit patterns.
Check 2 · Expense Reality
Do recurring outflows match what the student declared? Look for: undisclosed subscriptions, forgotten loan payments, cash withdrawals, irregular large transfers.
Check 3 · Net Cash Flow Confirmation
The behavioral test. A student with $800 net cash flow should show ~$800 of account growth per month on average. If the balance is flat — the cash flow does not exist.
Check 4 · Behavioral Pattern
Is there a consistent daily cushion? Or the payday-cycle pattern — surges on the 1st & 15th, depletes to near-zero before next deposit? That pattern indicates Level 2 awareness, not Level 3.

Certificate Language: "Confirms mortgage readiness and wealth-building behavior — not an investor assignment." Valid 6 months from issue date. Supervisor signature required on every certificate.

What Cash Flow Certification Unlocks
Plan A — Retail Market
Student proceeds to MMR closing date using open market inventory. Primary path for the majority of students.
Plan B — Directory Listing
Student opts into the Cash Flow Certified directory for potential investor collaboration when RPM partner inventory is available. Opportunity only — no guarantees.
Student-Initiated Deals
Student finds their own investment property and structures a deal to collaborate with an RPM Partner. This behavior is encouraged and supported by the culture.

Practice Quiz

RPM Coach Certification
Practice Exam

40 questions across all 5 training sessions. Review the Study Guide before beginning. This is a practice exam to help you prepare for your certification assessment.

40
Questions
80%
To Pass
32
Needed Correct
Question 1 of 40 Session 1 — The Philosophy
Score

Practice Quiz

CHEC Certification
Practice Exam

20 questions across all 5 training sessions. Review the Study Guide before beginning. This is a practice exam to help you prepare for your certification assessment.

20
Questions
80%
To Pass
16
Needed Correct
Question 1 of 20 Session 1 — The Foundation
Score