Our goal is to get that 3.5% downpayment.

Self-certification alone (by checking a box) without any other knowledge of a person’s financial circumstances or sophistication is not sufficient to form a “substantive” relationship.This relationship must be established prior to showing the potential investor an opportunity.  

@Rachel Ash It depends on your goals.

My goal is to savagely save for the next year and have atleast 25k before I even think about buying property.

I have  a goal of buying at least one property this year. 

what's your goal, budget, risk tolerance...... 

A lot depends on what his resources and experience and goals are.  

It's reassuring to hear that same message from different sources because I can accept this reality and then do something about it (i.e. push through those tough months with my eye on my long term goals).

Any other suggestions on getting my foot in the door prior to licensing?

The prior owner's certificates do not transfer to you.