Having a Realtor on your team is necessary long term, but there is no substitute for first hand knowledge.

This winter I will be taking realtor classes and ultimately hope to achieve my license by early spring.

How do investors achieve greater leverage?  

Your also in one of the best cities in the country to achieve your goals. 

That's one of the best parts of REI...there are many ways to achieve your goals.  

I have used 5 different companies to achieve the lowest premium.Also, most companies willing to insure sfr are not the same competitive markets for larger complexes.

This may be true if its the standard first time buyer who has no mentor or real estate investing experience or if we're just thinking from a one dimensional perspective which may be typical from most lenders whom are not investors themselves.Whose paying the MI is just semantics because a savvy investor could just as easily put 3.5% down on a owner occupied fourplex, live in one unit and rent the three units out, delegate the cost of MI to his/her tenants, improve the value of the property, refinance out to remove MI completely and only be paying MI for 6-8 months or so if they located the right type of value add deal.Those are the strategies BP'er want to hear not that you cant avoid MI with less than 20% down or 20% equity which only achieves to end the creative mind.

I'm not going to lie to you if you studied the course and grasp everything that was taught you should be able to achieve the 70 percent minimum.

I won't quit, I will not give up, I will make investing my full time career, and I will one day help others achieve their goals!

I try to attend at lest 3-4 meetings per month.FYI - I've tried the low end SFH and Multi Family route [I had 22 doors at one point] and I can tell you first hand - you don't want to start or even get there at any point - IMHO!