Majority of banks, credit unions, and hard money lenders are cutting back.

You may not be able to simply Google them.Here's my overall reaction to your post.  

You can't even drive by and look at a tree before you decide if it needs to be trimmed up or cut down.2.)

I understand I'd take a pay cut being an agent for the first few years, but in exchange, I'd be learning about the market and building a network as I move towards Commercial multifamily.

Joe its all about NPV  and rate of return for investors.. either way your going to take a pretty big hair cut out of your equity to do what your wondering about. 

They were referrals and the business started to grow simply because I had a competent team that was responsive and looked out for the owners' best interests.

Despite rate cuts, we aren't seeing the lending market agree with their expectations on inflation.

It turns out that we were never going to get paid out in the first place, and eventually found out some of my properties closed, but was still never paid out for them, but most of my properties simply just ended up dropping and i was never informed of it.

I tried to work with my tenant but they cut off all communication with me and wont respond to anyone.

I think you can go as high as 15% but it's cutting into your margins and depends if you are a GC yourself or not. 150k is close to a million or more.