It's not that I've never met a competent buyer's agent, it's that I believe that the service they provide doesn't match what they cost, especially in this day and age where all the neighborhood metrics, comps, etc can all be found online.In terms of getting a license, I have a day job that consumes most of my time. 

More can be gained by going and doing than by staying and consuming. 2.

You should also call your town or county's consumer affairs dept.

We've consumed as much information as we can in the last month, but we're stuck on how exactly to start implementing.

In order to convert current home into rental and to come in under 50% DTI, I'd have to take out an interest only HELOC on our current home and consolidate $50k of consumer debt into it.We haven't owned our other 3 rentals long enough for the rental income to show up in our DTI calc.

I feel that paying down consumer debt is the best first step.

For example, are you a MF cash flow consumer or a flip?

The credit card pulls will pull down your scores.Wow that is a major benefit of having a broker.are consumers able to do that by law?

It will consume too much of your time and will more than likely distract you from your investment goals without giving you anything of real value besides the option to sell houses as a side hustle. 

Fast forward 3 years... we’ve both built our credit, bought our primary residence, have two kids with a third on the way, solid middle class jobs, and some consumer debt.We were gung-ho to get going in 2019 after bonus and tax time to get a rental property finally.