Spencer Savings Bank has a commercial lending arm that underwrites these types of loans in NJ.  

I have roughly a little more than $3000 in savings, and looking to snowball some secure loans / cards to boost my credit.

A little background, i am 21 years old, i have 23k saved so far,I have my real estate license here in California but have not worked for any brokerage.

Also, groups of people from south Texas are use to cramming as many people as possible into the space available in order to save money. 

However, an buyers agent does help when negotiating and does save you a lot of time when you are doing multiple projects a month. 

You might as well save yourself the headache and put that $ into a mutual fund which will get you 6-8%, you should be looking for deals with 15% CoCR. $200/mo without paying your self for being a property manager is not a good deal!

My most recent credit score is fair-good and by my calculations, I will have $10K saved by the time that I am ready to purchase the property and move in, but that's my only liquid capital ($10k). 

If you saved as much as you could from your day job, how quickly could you pay off those loans?

Operating expenses are very low because I use gas dryers (instead of electric), tankless water heaters for hot water, and high efficiency, front load washers to save water.  

I've done this twice: the first resulted in about $550 less in yearly taxes, the second only saved about $150.