I would not advise to steer clear of this test based only on you having a job.

When the tax base disappears so do essential services.

You could then choose a broad based index fund if you wanted to invest in the market.  

It looks like I need an mls Id based on sample code 

Hi Ryan,Typically construction financing isn't based on your taxable income and rather more contingent on your experience, FICO and the deal itself.

We are all in business and in that space building your investor base or client base is job number 1.

There are financing options based on your specific circumstances. 

While sophistication of your equity partners (private money lenders) will vary between residential and commercial, the principle of raising private capital is the same.You need to develop your own system which allows a constant stream of PML even when you don't need the funds and/or don't have an active deal under contract.For example; I raise private capital by offering free educational workshops for people with self-directed IRAs.

Are you basing this solely on what you can afford, or what you intend to make on it, or your target sale price? 

I'm a licensed Realtor in Northeast Georgia and can shed some light based on my experience.Sponsoring Broker for Part-Time Realtors:Yes, in Georgia, you need to affiliate with a broker to activate your license after passing the licensing exam.