What is the advantage, the hook, the reason I would choose a less experienced team? 

Find the sweet spot and underprice it 5% so you can choose the best renter... = less headaches and problems. 

@David CozziMost any IRA provider you choose to work with will be a quality organization. 

I look at many many properties before I choose one or help my clients buy.

Which option would you choose?

If you want to test the waters before becoming licensed, you could look for work as a loan officer assistant, but you would eventually probably want to make the move into being a loan officer if you choose that career path.

Would appreciate any advice that is offered on what to choose in my situation.Many thanks,Huyen

I am looking for averages of what people pay for their coverages annually or monthly and what kind of deductible they choose to go with so I can make sure to make the best decision. 

If you choose a city that has a lower cost of entry point but a nice level of rental cost you could use an FHA loan that requires 3.5% down and live in 1 unit for several years while the other three tenants pay for your mortgage and bills and hopefully generate you excess cash flow to bank into your next down payment fund.

Best of luck with either route that you choose.