I would never let a client purchase in certain areas of my local market....

Prioritize properties with strong rental potential and set aside reserves to handle unexpected costs.Finally, familiarize yourself with tenant laws in your target market, especially in Portland, and consult a real estate-savvy CPA for tax efficiency and legal considerations.

A strong online presence and fresh marketing are how you dominate the market.

If not, cut it all out and put down some strong sturdy plywood.

Freddie has similar intricacies, but also does not require a two year history of receipt; https://guide.freddiemac.com/app/guide/section/5306.4If you can use the rental income to drive the DTI down so that you can reduce the down payment similar to that of the FHA product, the benefits of the conventional option will outweigh the FHA option, as I'm assuming you have a strong FICO based on rate quoted with no points.  

This market now offers not only excellent cash flow but also strong appreciation, creating well-rounded investment opportunities.The 60 strongest housing markets heading into 2025 - Fast Company

Have a client that does sober living homes here in B/CS.

Denver is a strong market with solid appreciation and plenty of opportunities, especially for strategies like house hacking and the BRRRR method.Your plan to start with FHA and house hacking is a great way to get your feet wet.

.- The TL states that those are technically the team's leads and I will owe the 20% if they convert within the year since I was given training (which I was not), lender referal (which was forced on me by the TL even though I work with my own lenders for my clients).Is the above statement true/legal/valid?

Stong homes=Strong buyers.