Some of your questions are a bit telling with regard to your personal economic philosophy. So although I won’t answer every single question (there’s a lot here that’s irrelevant), I’ll try to explain some of how and why I operate the way I do.
First, just to clarify, I said a $75 signing could make sense while providing reasons. It comes down to time management and overall efficiency. If I have a signing at 11am and another one at 5pm, then it makes sense to take a $75 job at 1pm provided it’s somewhat nearby the first signing.
With my small Chevy Cruz, $25 worth of gas (even in today’s economy) easily gets me through the various commutes for the day. So if I have 3 signings ($125, $75, and a $100) equaling $300 of total pay for that day, then only $25 can be subtracted for gas. If you want to get technical then subtract $8 for paper (barely). I always have a backup toner cartridge, and I usually set aside $100 a month for that. So that’s about $5 per signing for extra toner. All in all, I’m finishing that day with $245ish. Obviously taxes come into play, etc but I’m still making more than a lot of professions. I would consider that a good day even with the $75 job added to the mix.
Let’s say it’s a slow day and I’m only offered a $75 job. Will I take it? Depends. If it’s under an hour away then why not? Maybe I’m good with $ for the month and I met all my fiscal goals. Perhaps I’ll shoot back with an $85 counter offer (either asked for directly or via “too far” option). They usually work in $10 increments. Either way, it’s $ in my pocket.
If I rejected all offers under $100 then I’d probably lose out on $500 a month easily.
My home office setup is designed to be as easy and efficient as possible. With the occasional printer jam, that’s pretty much hands free. My scanner can do about 1/3 of a large packet at a time. That takes less than 2 minutes of actual hands on time. Uploading takes no time at all. So I find scanbacks ultimately trivial. In fact, I reject jobs not because of the pay but usually if there’s too much handholding involved (too many rules). Some people don’t mind the handholding.
The point is, all of this caters to my personal preferences and realities. Am I a single father with 3 kids? No. Some professions aren’t necessarily designed to sustain people with a lot of life baggage (whether it’s children, expensive habits, etc). That’s like a 40 year old man who has to pay child support for 3 children, while paying rent and groceries, complaining about McDonald’s wages. Sorry, but McDonald’s wasn’t designed to support people with that level of life baggage.
Loan signing agents are a diverse group. There’s people more focused and dedicated than me making $8000 a month. Power to them. There’s also college students doing it part time making less than $1000 a month. Or as a side hassle. Power to them. Some, like yourself, feel like it doesn’t pay off. To you I say perhaps you should do something else or work more efficiently if it’s too stressful. I don’t live next to a big city. Maybe you do. That could be a big issue too.
Best of luck.