I think the most effective tool is YOU.

It will be a lot cheaper and more effective.

You will network with people who offer tips on refinancing, good books, effective classes, ect.

If you don't you've effectively reduced the security deposit you hold by $300.

@Michael Blitshtein If 30k is your budget, IMO its going to be pretty difficult and risky to invest effectively as a foreigner.

I even use Skype and TeamViewer to communicate with clients so I'd highly recommend looking for one of the best with great references that interviews well with you.So look for someone you can connect with that works out for your situation.Feel free to ask here if you have questions.

Also, I would make sure to communicate a little via email or text, so you can have some physical evidence of his behavior.

If you're going to fully benefit from membership recognize that most people will communicate with you online as if you've been a member for some time and just put their opinions out there, in the raw. 

This route would probably be as a "Broker-Agent" meaning you'd have greater recognition of being a broker but you'd be dealing under another broker as an agent.Being an independent broker isn't cost effective just dealing for yourself.

I think Denver stands a better chance than most to weather a FED hike with no ill effects.