A few hundred bucks could save you thousands in taxes.You could 1031 this one into another property is that aligns with your near term plans.

My plan is to utilize the license when buying and selling my own investment/personal properties, to help save money and one day, open up a property management company.

I have been saving money since I started working 4 years ago and think I have a decent chunk of change saved up to get me to my first deal within the next few months.

My savings account is giving me cash flow.  

They might have a junior agent willing to try it out.You as a buyer have a certain amount of capital which took a long time to save and make it count which is understandable.

I am working on that but even after I save enough money for repairs, I wouldn't want to put all that towards a down payment so I was wondering if there was a way to avoid that.

Save for 7-8 months and get my 20% down of 10k on it and go to a bank which isn't my favorite option or maybe since I was reading on here that life insurance company's have a very low interest rate and like to invest in multi family buildings that would be another good option.

I could be short $450 for a month or two until I rent out the back unit (I have savings I could cover the rest of the mortgage with), but after the back one is rented I could have a little cash flow- at least enough to save for upcoming repairs, etc.

Renters would give up the "home office" bedroom to save on rent.

With fix and flip I could do some of the work myself, saving some money, but also have guys to do the other more serious construction.