I started out joining an existing RE "team" - a group of established agents who took me on.

(Local banks in the market I'm targeting offer about the same rate).If I bought all cash, would it be possible to refinance at a better rate after establishing a record of income from the property?

What you need to look at is whether the property is stabilized and whether there are long term tenants in an industrial/business market or established (waiting list) property in a transient (like a college town) market.

And that only makes the sale voidable they have to bring a legal action to establish that.. ( ask me how I know that pearl LOL)So there you go two for one a little side bar on Mello Roos and how tax sales work in CA.lastly it is quite rare for a improved property to go to sale in CA.. 99% is land and odds and ends at that.. non buildable strips land that does not perc  etc etc.

@Claudia Tatiana Crawford I'd recommend establishing a source of income first and foremost, and start building your capital with that... 

They moved in and we didn't know for a week and by that time they were able to establish that they were living there and the police wouldn't help me so I had to evict them.  

Helps a lot to know the neighborhoods tho, even within a certain neighborhood, Philly can be very block by block.

Establish a relationship with the Secondary agent.  

Join a well established team or brokerage?

There is a lot to think about.