The brokerage advertised 80/20 with a $16,000 cap. You did the math and it sounded right. Hit the cap, keep everything after that. Clean deal. Then you got a year in and started actually tracking what you were paying. Monthly desk fee: $150. Per-transaction fee: $300. E&O insurance: split with the brokerage at $400/year. CRM subscription the brokerage requires: $75/month. Lead gener...