Yes you can become a real estate agent and qualify for a loan - and I don't know what the qualification are in your area, but here in Chicago you need at least 2 years of employment. 

She’s not trying to get around any qualifications.

@Brandt Tingen Sure, 95% LTV conventional refinance is perfectly doable as long as you have reasonably strong credit and good qualifications.

Certain fields give you more qualifications and "valuable" skills than others.

No, from my experience there is no fee for pre qualification.

The reason is that if you want to buy more properties using the house hacking strategy, many lenders (though not all) will be hesitant to give you another owner-occupied loan (regardless of your DTI and other qualifications) if you can't show that your move from your first property to your next property is an "improvement" to your housing.

I do not hire my subs based on price , its their qualifications and work . 

If you're going to require the same terms and qualifications as a bank, why wouldn't they go to a bank?

I am looking to take advantage of cost seg for a  2 unit MF property - which has tenants for long term rental  (let's call this property A)I know that in order to take advantage of cost segregation, there are no specific "status qualifications" per se, but certain conditions and considerations should be met such as 1) having a real estate prof status (i.e., spending more than 50% of working time & 750hrs pr yr in RE business) or 2) short-term rental status, rentals with a duration of less than 30 dys)I do not qualify with a RE prof status, but I will be acquiring another property with the purpose of having it for short term rentals (property B), please note that this property is outside of the U.S., so my question is: I don't qualify as a RE professional status, but can I use the acquisition of the short term/property B as my "short term rental tax loophole" for the purpose of the cost seg on property A?

All high-ratio mortgages must be insured, either via CMHC or one of the two private insurers.Similarly there are two sets of guidelines for qualification:  High-ratio borrowers :Mortgage qualification is based upon the Bank of Canada Benchmark 5-year Conventional Mortgage Rate (V122521) - which is presently 4.64% [Note: This is also known as the mortgage qualifying rate];Maximum amortization is 25-years;maximum purchase price or "as improved" property value must be "less than" $1,000,000;borrower's gross debt service (GDS) "less than or equal to" 39% (CMHC prefers "less than or equal to" 32%);borrower's total debt service (TDS) "less than or equal to" 44% (CMHC prefers "less than or equal to" 40%); andproperty must be owner-occupied.Low-ratio borrowers:  If the lender bulk-insures their portfolio, they must qualify applicants using the the same rules as above.