Population 35k plus and we have our own unique employers such as a military base, school district, law enforcement agencies, and city/county governments.

Yours truly for agency representation and People's Bank Edmonds for financing.

People's Bank for commercial financing.My mentor Lori for agency representation.

The in-house lenders typically only offer vanilla Agency financing, however, so it's unlikely their standard owner financing would be a viable solution if the reason for seeking owner financing is that you can't qualify for a vanilla mortgage. 

handbook :P ]), Agency guidelines will not allow that specific rental income (STR 6 months) to be counted. 

What I think will really change the market is when self driving cars get mainstream.

Are there any agencies geared towards LCB licensees with low commissions or flat fees?

I believe the agency he works for is an Independent agency that represents many different companies.  

They often get cash from down payment assistance programs, typically run by housing finance agencies or nonprofit groups. [...]Many borrowers “are living paycheck to paycheck and, if they lose their jobs, they go into default immediately,” says John Burns, a housing consultant based in Irvine, Calif. [...]More at link above. 

This is the school I went to and I was satisfied with it - passed on my first try.If you would like to learn more about hanging your license at an investor-focused agency afterwards, let me know!