Any one of us could give you our two cents on the math of it, but only you can decide if it makes sense based on what your specific goals are. personally, i paid points on my house because my goal was lowest possible monthly payment.

Hello, I am a 21 year old embarking on my journey into real estate, specifically focusing on multi-family properties.

If you wish to network or ask specific questions about your local market, you can go to your local real estate forum and discuss with investors from your area: https://www.biggerpockets.com/forums/86-local-real-estate-networking 5.

Yep - My firm can do this for rate-term refinances and/or acquisitions, with stipulations (specifically for 85% LTV): Min DSCR of 1.25x+, Min FICO of 720+, SFRs.

I am also really interested in the stock market and the real estate industry! 

Industrial?

And , since I had been working in an industry I really wasn’t passionate about, this was my chance to try an industry that I have had a passion for for the last 12 years or so.

My question is, If one is to be strictly commission based, Is finding a broker with mortgage industry similar to finding a broker with real estate?

There isn't a sustainability problem in Texas, it's a regulation problem.

What are your specific goals with real estate investing?