Has anyone tried out the independent broker program as advertised by Lee Arnold and Cogo Capital? 

I have heard KW has a good training program as well and will be looking into them. 

Personally I would pay off that dept and then get into the program as long as you can afford to do so, but don't do it if it's too tight to sustain for at least half a year. 

I was a training director at a KW office and currently an agent at an EXIT office... however my current office has a great deal of online training and KW has a great training program as well.

Along with the basic general education, you get some interesting bonus angles.For example, check and see if the real estate classes are available and fit in your program (as electives for example).

Down payments are based on your ability to repay - Mercersburg had a program a couple years back where they could lend based on you having 1.2 times the debt service in NET rental income.One way to identify lenders is to look up addresses of commercial or small multifamliy properties similar to your own on mdlandrec.net look at the Deed of Trust document and you'll discover who's actively lending.

Since June 1, 2017, the city of Independence also requires another interior inspection before you can get your landlord business license - they call it the "Rental Ready" program.  As

We also looked into the FHA program as the owner occupied duplex was my first multi family purchase.

Lenders offer this program as a rate and term refinance since you paid cash for the property.  

Hopefully that gets better now that someone I know took over aspects of the training program.)As to part-time/full-time... either do this full-time or go find another line of work!