He sometimes brings me deals in Union and Bergen counties, and he's great at what he does. 

@Robert FreebornFirst year:Real Estate Course: $420 (Rockwell), there are cheaper schools out there.Written Test: $125Finger Prints: $30Realtor's Union dues: $620 (Optional depending on Brokerage)NWMLS dues: $480Supra: $75 activation + $15 a month = $255Office fees: $65 a month or $780 (Will vary depending on Brokerage and Model)Total: $2,710 Additional Cost:Signs: This will vary depending on Brokerage and if you are on a team or notBusiness Cards: Depends on what you wantEvery two years after that you will have a certain amount of CE that you have to accomplish, but if you take advantage of free education hours put on by Title Companies and other outlets, you can reduce your cost. *** Fact ***If you sell one house a year, it pays for itself...

RBC will only lend if you have no more than 5 mortgages (including the one you are trying to finance).If you need to go commercial for a small multi (say 6 - 12 units) which is <1-2M in valuation, I would stay away from the Big-5 and approach your local credit union.

@Shequila Hamilton pretty much every bank or credit union that does home loans will do FHA ones.

Being in Brooklyn and the expensive market here, I am looking in Union City/ West New York area.

I applied for an fha loan through a credit union and they tell me FHA does not quialify for multi residence.

Definitely look at a local credit union.

@Phillip Lirette can also try credit unions: Riverland Federal, ASI Federal, and Campus Credit (the last two both do significant business with Small Businesses).

There are many banks and credit union that have different down payment requirements.

I posted on here a few weeks ago regarding a two unit property I purchased for $275k in Union NJ.