You should be a licensed mortgage broker.

Hi BiggerPockets Fam, I am looking to purchase my second property and I am looking to connect with a mortgage broker in NYC/NJ.

Hello,I am currently remodeling a kitchen in my personal residence and need recommendations for a good custom quartz countertop fabricator/installer in Louisville, KY or southern Indiana.Thank you,Cameo

But does the law require Seller or their broker/agent to present them during or before inspection period?

As a real estate broker in New York (where inventory moves quickly and it is difficult to buy at steep discounts), most times it is not worth it to go around putting in lowball offers for my clients mainly because the market moves quickly and also because it wastes everyone's time.   

Find a few high volume brokers and ask around.

And @Bjorn Ahlblad brings up a great point about sellers (and even more so, brokers) tending to overstate by a grade or so.But now things are even more complicated in that using Lennon's grading scale a class B property could be built in 2002. 

Our understanding so far is that you need to work for a realty co, and in order to eventually become a broker yourself you need to get some years under your belt and further education. 

My broker is estimating around $1000/month expenses on a 30-year, I would put down 25% and after origination fees and  closing costs I would be looking at $45K out of pocket. 

I haven't worked with a mortgage broker, but someone with that title might be able to help you find good options.