Is it legal to hire a non-licensee to manage the property? 

My smaller market area already needs one or two more appraisers and two of the other three are already in their late 60's.The state board freely admits they have a problem with the licensing process that is going to make a massive state-wide shortage, because licensees must spend at least a year under another appraiser.

Test fees, new licensee fees, office fees, pre-licensing course, finger printing fees, realtor dues, MLS dues, continuing education requirements, ect... it all adds up.  

BTW, some of the other scenarios you mention would get a licensee tossed from the local association and NAR.

The license will, however, have some advantages for networking with other licensees.

I know phoenix is heavily populated with licensees compared to total population right?

We also have live training webinars for all new agents and the broker is very accessible for any questions licensees might have.

Quite a list of prerequisites: http://mortgage.nationwidelicensingsystem.org/slr/PublishedStateDocuments/GA-Mtg-Lender-License-Description.pdfSome exemptions include:  Federally insured financial institutions and their wholly owned subsidiaries;  W-2 Employees of licensees and registrants (see Code);  Attorneys who provide legal services who are not in the business of negotiating loans;  Any person performing any act relating to mortgage loans under order of any court ;  Nonprofit corporations making mortgage loans to promote home ownership or improvements for the disadvantaged;  Any natural person who makes five or fewer mortgage loans in any one calendar year;  Other… refer to Code Section 7-1-1001.Bob

That being said, it's tricky to truly "wholesale" as a licensee, because you have to disclose at the first point of negotiation that you are a licensed agent. 

Speaking from a Florida viewpoint:Any licensee can charge for a Broker's Price Opinion (BPO), but if you are an agent, that fee must be paid to your broker/brokerage.