I am a real estate agent in Tampa with a wholesale brokerage and I have noticed a huge trend lately that I wanted to get opinions on.  

Does everyone that wholesales with a license also hold full time agents positions at a brokerage?

I believe you need to either work for a broker with your realtors license or have a brokerage license which takes 3 years to get. 

Does Schwab or any similar bank allow you to put up an IRA or brokerage account as collateral for a re loan?

I attend UNC Charlotte and am a Board member of our Campus Real Estate Group where we are a community of students interested in all aspects of Real Estate whether it’s investing, development or brokerage.

They may be able to do some form of custodial account like some of the larger stock brokerages offer.

Any that you feel currently offered do not fit your brokerage or business?

You can get a 5% cap rate if you open a brokerage, click a button and buy 'T'. 

I was shocked when my brokers (been with two different brokerages) mentioned this, because in my corporate job deadlines are deadlines; I can't call my Finance Committee and ask them to push back a meeting because I do not have the presentation prepared.This per diem concept was news to me, as I haven't experienced it previously in other transactions that had minor delays.

@Antonio CarreroMainstream stock brokerages and banks do not offer self-directed IRA plans.