& if so how much work would it entail for an agent?

It's great to have another experienced investor join our ranks.I read your profile and it seems like you're an assertive entrepreneur and I look forward to future discussions!

However, telling me that does not help me confirm your assertion. 

@Tony Mbuthia, did you receive a loan estimate to see if that rate entails points or not?

And they would answer back, "Gosh, I think I'll be a landlord too" because they didn't know all the things I posted above about being a landlord and what it entailed. 

I'd like to know what the field entails from the stand point of being a property manager.

What other things does it entail?

or very simply, create a single assert entity.

22 years of age$15,000 in student loansno other debts$50,000 salary, secure job$4,000 in savingshere's what i'm thinking:residential duplex/triplex/quad--i will also be living in one of them in order to save money for cushioning while being a landlord.increasing the value of the home through a discount price, inflation. demand and forced appreciation. within a few years:1031 tax exchange to pyramid up.I understand that my plans are broad and the blueprint is yet to me entailed through this post butmy question is, is this a smart first real estate investment?

When they can't lend any more, and when they have to start buying back loans from the secondary market, they can't stay in business so, I respectfully disagree with your assertion that they aren't losing out on anything other than a small monthly payment.