Hi David,Oh yes, it's here, and you will find the same thing in California about other areas of the country.It's just human nature in some instances.Just go with flow and make money, because that's what it's all about.It reminds me of this old TV commercial: https://www.youtube.com/watch?

I am naturally frugal and am lucky my wife is as well so we have saved up a fair bit that may help me get started.

.   ;-)You will, for example, learn a LOT about human nature and humans.  

Great rental income to supplement the mortgage but not currently cashflowing.

They need skin/blood in game or human nature occurs. 

As a new agent I certainly looked over this myself, but as I’ve started to do so I’ve realized driving around and observing and taking notes about the area is doesn’t really feel “primitive” or “old school” but instead feels natural, enjoyable and in my case allows me to connect with my local market and neighborhood.

The $41k would be used to supplement some savings. 

It does say exterior walls can be included (not sure why they wouldn't be)As for the exterior finishes it says 50% must be brick or natural stone.  

Background is in dealership management, nationally recognized, so I'm great at closing/negotiating, numbers, and navigating a deal, and I'm naturally more transactional inclined. 

And really, that's what I've done, going from being a teacher to being a handyman with C/D class properties, my natural niche.What I would do if I were you would be to find the cheapest possible place to live (including small multifamily househacking, house roommate, and Airbnb possibilities) near enough to my job to bike there and back or take public transportation.