I ask, because the subject you used mentions forebearance......and most people who have enrolled in forbearance have actually remained current on their mortgages per the Mortgage Bankers Association and NAR. 

NAR tracks it on a national level and affordability is still very good.

This arrangement is illegal in all states except Florida, Texas and California, and highly discouraged in those states as well as all 50 states by NAR (if you’re a Realtor you can’t do it).

The surge in home prices has been due to the low interest rates, growing demand, and dwindling supply.The National Association of Realtors (NAR) estimates that nearly 1 million renter households were priced out of the housing market.

Not sure why the need to get licensed in every state… i’m currently licensed in 4 states, belong to 3 MLSs and 3 state & local associations which is required by NAR. and as mentioned above, the CE is daunting!

ATT/DET/Conversion, private entrance?

One can be just an agent or an agent (that has joined NAR) is then also a Realtor.

There are options for non-licensed people to join the NAR.

We sold their townhouse in Otay Ranch (newer construction) and moved them into a slightly larger, but older DET home further NW (still in Chula Vista).

There are specific questions you need to ask lenders before accepting an offer.There have been studies done - admittedly, all I've seen are done by NAR - that shows homes listed by an agent sell anywhere from 9% to 16% higher than FSBOs.