If you had good credit (670-730 range), you have 20% to make a down payment, and sufficient income to qualify for the home you want to purchase - Would you choose the FIRST-TIME HOME BUYER or CONVENTIONAL purchase option...which would you pick and WHY?

He knows nothing relevant about this purchase. 

If you are coming in with 235k, you probably would not need much more, if any, to make the purchase.

About 6 months ago we purchased a duplex using a DSCR loan.

Although the study may increase the gain, the gain may be taxed at a much lower rate making it a beneficial investment.If a property is purchased with the intention to flip or own for a short period of time (less than 3 years), a cost segregation study may not be significant.Overall, as long as you intend to hold the investment property for greater than a year, the benefits of a cost segregation study should be considered.

However, I do know 2 investors who have purchased 70+ unit properties via seller outreach, but it takes time.

I know for example we can fund up to 90% of the purchase and 100% of the rehab when we're funding the purchase and the rehab.

My goal is to purchase my first property between now and mid to late 2025.

The intent of getting a sales agent license is to educate myself in Real Estate and create some additional income.If your relationship is such that you need to hide your license, you’d be better off with a different working relationship.  

At it's basic level:Assumption: Asking the bank to turn the loan over to you and going through the normal underwriting process, credit, income, DTI ratio etc SubTo: Taking over the loan without telling the bank, no underwriting, no credit check, no income verificationBoth have risks, but it's not my intent to be detailed in this post.