We are being told that it is standard practice to sign the following:Understanding Whom Real Estate Agents Represent - BuyingFlagship Communications Consent 1217Exclusive Buyer/Tenant Representation Agreement (MAR)Consent for Dual Agency (MREC)

Our friends who is an RE agent was attacked years ago, and she said her RE agency started offering training classes for agents.Its an option if you feel comfortable with it and live in a place where its legal, which you do.

If it's 'only' a debt, then try to find some proof that this is actually 8 years old and write to all 3 credit reporting agencies with that proof and ask them to delete. 

Hire a title agency for the paperwork. 

Is it realistic to think there are agencies who are willing to work with me during the late afternoons/evenings and weekends while I am still working full time teaching until the end of May?

The problem is most people here are real estate investors, have no time to chase people around, or look for services to chase people around, so often is the case, if it's unpaid rent, put it in for collections, and let collection agencies handle it.

My agent was adamant about showing it to me, even though it was not on my vetted list of properties (probably because it was a dual agency situation?).

@Ricky Jefferson, If you manage your properties yourself, perhaps you could spend 10% of your gross monthly receipts on a part time bookkeeper familiar with the kind of (rental property) bookkeeping you need, from an employment agency such as Accountemps, etc.

My experience has been, these "First Time" or "Income Restricted" Loan offerings by various State and Local Agencies are all done through a Typical Lending Company (Mortgage Banker / Mortgage Lender) that has qualified with the Agency(s) offering the program.For Example, if you met the criteria for a "Texas Vet Loan", and were qualified for the program, all the processing and workup of the Loan package will be completed by Blank (Generic) Mortgage Company.

But they are also the agencies that limit us to 10 mortgages type of thing.