Do you recommend starting with a long-term rental for a rookie?

There is even more options on hemlane about them providing some sort of payment card.

Mortgage companies, heirs, Bob's construction company that put a workman's lien on the property, Credit card company, etc etc... exception being local municipality liens ( grass cutting, demo etc.)

I have my primary residence single family home paid off in full Zestimate ~$500K, and no other outstanding loans for cars, schools, credit cards, and in good financial position with 2 years of reserves for expenses, etc.

There are a lot of hungry rookies out there that will collect a "Broker fee" or have you pay for a LOI (letter of Intent) and it's nothing but a piece of paper.

Im planning to know procedures and plannings that are affordable for rookies until grow more and be able to afford a bigger firm who does things the right way.

I still consider myself a rookie in MGM, but I stay north of Troy Hwy - east of the BLVD.

That ship sailed a long time ago, we are living off "credit cards" now to a really significant degree.

Move to an electronic card system even for the soap dispensers. 

We are rookies, but the both of us are hungry and passionate about reaching financial freedom.