You are paying them a monthly fee & insurance so they are more opt to consider you pay them to hang your license while learning the ropes.  

I noticed that they just wanted to keep you hanging. 

You could certainly and go ahead and do the loan route now while you have the W2 so you can take advantage of it without having to hang onto that job for too long if you want it. - You'll only need the W2 for residential loans though.

You need a place to live no matter what, and I can't imagine rents are very cheap in Portland, so you're usually better off at least having the benefits of a little tax writeoff and mortgage paydown while you own, plus being able to paint the walls the colors you want, etc.I'd hang tight if I were you, see if your market goes up a bit more over the next few years (which I personally believe many will, just my professional opinion,) and try to refi and dump your mortgage insurance (assuming you have it) as soon as possible.In the meantime, hang onto your $50,000, keep growing it, and wait for the right deal.

Not sure if banks want to hang on that long.

We're talking about tearing up all the pee-soaked carpet (dogs..) and bleaching/disinfecting the concrete foundation underneath, replacing a majority of the second floor sub-floor, fixing the roof, fixing the HVAC, repairing the garage (door hanging on by a thread), scrubbing and disinfecting all the cabinets (roach feces everywhere), tearing up and replacing the landscaping, fixing the roof, inspecting and repairing any water damage... the list goes on and on.

She gave me a lecture on how to hold a courteous and respectful conversation and warned me that if I did not be quiet and let her talk she would hang up on me and I would have to call back and talk to someone else.

zero. you can hang your license and never use it.

"I thought the high *** grass with broken down vehicles in your yard and torn sheets hanging in your windows was particularly attractive."    

We hope to put them to work for us in exchange for free trips to Hawaii to hang out with their family.Can anyone suggest reading material for a tear down/rebuild?