Do you still need to have a licensed brokerage company?

Now that we are 10 days from closing, I am talking to loan officer to get the Closing Disclosure so that I can know the exact cash to close (I need to move money from brokerage to bank account) and he is mentioning about 2% IPC limit. 

I know that the general guidance is that emergency funds aren't to be invested, but given our financial security and the fact that we already have a personal e-fund in a safe, non-volatile location, would it still be crazy/unwise to invest this 15k in an S&P500 index fund in a brokerage? 

DSCR recently came popular in the loan brokerage and private credit space with the rise of STRs and MTRs.Your local bank lenders will have the best rates typically.  

Quote from @Cristen Marcotte: They are at best the most incompetent brokerage with which I’ve ever worked.  

My experience has always been better with a local lender.With that said, I am reaching out to David Greene's The One Brokerage about a refinance.

If you want me to send you my link tree it will show upcoming events at my mortgage brokerage A and N (we host events with investor groups, and networking events weekly).

There is no one with experience in actual real estate high up in the company, which is the problem with most tech companies masquerading as real estate companies (including brokerages).Let me know if you want to know even more. :)

I’m a newly licensed real estate agent, but I haven’t chosen a brokerage to hang my license with yet.

Here is the situation:- I signed a commitment letter that has the incorrect brokerage logo.