It is one of those envelopes that look as if they were coming from a government agency.

Can I just walk into a agency and ask for realtors that work in the ewa beach area or naw ?

Both of these people say seller carry back with a bank or agency loan doesn't exist... what am I missing when I see people doing this?

IRS wants to know, your local tax agency want to see 1099 on referrals you can not initiate unless you are a RE broker not just an agent.

In addition I can refer you to an agency in your town if you want.

Roehr Insurance agency is another one to look up in Cincinnati.  

There are almost no brokerages in this area that will give you any leads of any value, most will offer floor time or phone time, which is virtually worthless.If you want to work actively as an agent, you will want a bigger agency where you can pick up people's Open Houses for them and find a mentor.

If you are an investor looking to get your license, you won't need the excess of training at the larger brokerages, you will want to find a mentor who is an investor-friendly agent, but you do need a mentor if a smaller agency has limited training.

The VA started matching FHA's limits about 2 years ago:"VA's 2017 Loan Limits are the same as the Federal Housing Finance Agency's limits." 

However, all of those properties are considered single family if you are using agency debt.