If your rate is 4.59, you've likely bought down 2 points which could be several thousand dollars.Also, this loan looks to be interest only? 

Will save you possible tens of thousands of dollars and a lot of time.

But one surprise can set you back several thousand dollars and there's no income to balance that.

Those two components will get you much lower rates and save you  thousands. 

Hey mate,Sorry to hear this and I feel for you.Been there many times before.I would always cut my losses as quickly as possible and swallow the frog.Move on more experienced and smarter and don't repeat the same mistakes on the next one.The loser deals teach us more than the winners do.If you stay "in it" longer, you will get dragged down by the negativity of the situation along with the toxicity of the folks you are working with now.Your time and mind is better spent focused on finding another deal/opportunity and growing because this is all "positive momentum" thinking.Not trying to sound philosophical here but just something I've learned over the last 13 years of my investment career and flipping thousands of deals.Wishing you well and a quick recovery 🙏

There are thousands of people on this site who would love to have started at 23.

Hey Jose,I can't lie and say that I know the best ways to leverage money; however, I don't think credit cards are the best solution due to the amount that you'd need for real-estate, the potential high interest rate, and possibly ruining your credit.

And that there will be hundreds to thousands of referrals each year for which I would like to be compensated and just want to know whether I need to become licensed in all 50 states in order to be compensated through commission sharing. 

I personally know people who bought brand new, multi-million dollar, beautiful luxury homes, only to have serious foundation settling over the first 5-10 years of ownership (and the repair bill was in the hundreds of thousands!).

If it's less than a few thousand, I wouldn't even bother because you're unlikely to collect a dime.