And particularly one that pays but a fraction of their real job. 

You don’t have to pay $20k+ to learn to broker loans. 

I LOVED getting a loan through DR Horton on a DR Horton build, that I had to pay for a DR Horton appraisal.

But this was an awesome opportunity for me because this is my first living situation where I will be on my own (and getting used to paying a rent/mortgage) but this will put my overall mortgage on a 400k house at roughly $2000 a month for the first year!

Less licensees paying into the pot means everyone's costs go up.

I think having foreign pay stubs and the fact that I own property here with a mortgage made them decide it's too much of a headache.  

But, the self-sufficiency test for FHA loans can be really difficult in SF, meaning that the market rent from units you will not occupy must be sufficient to pay for the mortgage payment. 

My guess is that you will pay less per month with multifamily than a single family. 7.

., get a higher paying job, work two jobs, go to trade school, get a higher paying degree, live in affordable area, etc...these are things that most of us did).

Never pay an upfront fee.You didn’t mention your state but understand that with little exception, an NMLS registration is only required for consumer-purpose loans.