Otherwise, you will need to find a licensee who is willing to write the loan which sounds like it needs to be non-QM.   

Many sellers have chosen to deal with me because I am a licensee even though I was purchasing the property for my personal benefit.

Any licensee in my MLS area can only have 1 assistant w/ MLS access.

In the general range, you likely see in most markets when the number of licensees is high, typically during economic booms, you end up on the lower end of that range, and during recessions when the number of licensees drops, toward the higher end of that range.Average commissions are generally correlated to the number of licensees.

Inexperienced licensees make more mistakes, which can be costly.

A licensee must report any convictions to the Board of Registration and a determination will be made.I assume decisions in TX are probably made in the same way. 

A licensee shall not advertise any property for sale, rent, lease, or exchange unless the licensee has first secured the written permission of the owner or the owner's authorized agent and said permission has a definite date of expiration.

Within 30 days after the termination of the tenant's lease or licensee's agreement, the owner or lessee shall return by personal delivery, registered or certified mail...I would tell the tenant, in writing, that you will return it in accordance with NJ law once they provide a forwarding address.

The Agency’s investigations are complaint driven, so we rely heavily on the public, and our licensees to bring these individuals to our attention.

I don't know  PA law but in all 4 states Im licensed in, all real estate transactions for a licensee must run through the brokerage, no exceptions.