@Mathew Allen Adding bedrooms and the requirements for doing so is based on the municipality guidelines, nothing to do with the state agencies.

I am looking to see if anyone has recommendations on an agency that works with investors or has any suggestions on who I could work with on getting this premium lowered?

Do you understand the importance of a Buyer's Agency Agreement?

Credit agencies place value on having varied lines of credit (car loans, credit cards, mortgages) and also the percent you are using of the available limits. 

The best way for you to start gaining experience is to work for someone in the real estate industry before starting a agency. 

I have finally decided to take the leap of faith and sell real estate, I am very comfortable with commercial side of it and just learning the residential side of sales rather than leasing.My hold up is knowing which agency to sign up with to maximize my profits and success.

There isnt any HUD sanctioned agency that certifies contractors to be authorized to work on rehabs being funded by FHA.

Typically I write to the closing agentSince when are government agencies known for their business sense? 

Not sure what area you're located in but a 30 units if it's valued over $1.25 million you might be able to get a non-recourse, Agency Fannie Mae or Freddie Mac loan.  

After doing the paperwork and sharing it with the housing agency, I thought everything was good to go.