The Underwriter is the decision maker.
In order to win the gambling game that is real estate sales, the real estate agent may decide to tip the odds in his favour and there are numerous ways in which this can be done.
Effectively, the real estate agent requires the seller of a property (the vendor) to sign over to the real estate agent a part of the property being sold.
Creative techniques have as much to do with creating "soft" and "hard" value as much as they are about taking legal control of your properties.