So my question to anyone who's read this far is, have you gone through the Smart Start University program?

No books, no seminars, no expensive programs.

All decisions are made in house without the government red tape.

I have purchased and read various training programs (sean terry being one of them) and realized they are all spouting the same strategies with their own flare so i figure I'm ready to go..  

Yes, most agents can get the same data, but few can last more than a few weeks with all the numbers floating around or program a simple spreadsheet adequately to extract the golden nuggets.  

I am looking into becoming a licensed real estate agent in Massachusetts and was wondering if anyone had any recommendations on schools/programs.

Custodians do not directly create such programs, as they are prohibited from providing legal and advisory services, so a different type of company will setup such a structure and most such companies have one or more custodians they work with on that piece.The IRA LLC structure is much more responsive and eliminates a lot of per-transaction fees, though of course creating the legal entity in the first place will cost more up front.  

I do not want to pay my loans off early because I am on track for them to be forgiven (through a program based on my employment field) in four years, which represents a huge financial boon for me.The lender told me that Fannie/Freddie guidelines recently changed regarding student loans for DTI calculations.

, but i ran the numbers and after that it didn't look so appealing, and if you were to factor in capital gains and other fun government taxes, well, i don't think it's a good option, and there are for sure better ways to exit.The numbers play out like this (not considering taxes, capital gains, and other factors, i was just trying to play around with the idea and keep it simple for the start):Your NOI: ($119,160 + $30,000)  - $70,000 = $79,160 or $2638.67 per year for 30 years and $219.89 per month for 30 years when you factor in the 30% down into it ($137 per month for 30 years)Cap Rate: 2633/70,000 = 3.76% per year for 30 yearsCash flow: $331 per month for 30 years but only $137 of that would be profitROI: 2.33% without the 30% down factored into it (3.76% with the 30% down factored into the calculation)Total ROI = $79,000/$70,000 = 112.86% over the course of 30 yearsConclusion:Well, from what i see here, the problem is the interest rate used.

Here is the banks reply,"Hello there, I do have new construction programs rolling out at the end of this month, however, these are only for single family dwellings so they wouldn’t allow you to build the type of triplex or fourplex that you are looking for, I think you would have this problem with any bank.