Hello @Leah Hill, From the figures you shared, you would be able to use these funds more effectively than your current home if you like being a landlord and having investment properties.

They have to figure it out.

Looking into getting my REA licence but cant seem to figure out what the fees will be annually if I only wanted to represent myself and have access to the MLS?

@Michael Plante had a good suggestion but I put that on my accountant to figure it out. 

I figured an FHA loan would be best. 

I'm sitting down with a couple experienced real estate friends next week who are going to help me figure that out.

I'm moving to NJ in a few months and I'm debating if I should buy a multi family now and figure it out as I go or wait and learn the market.

the banks are simply cross selling their  products   figuring the more connections they have with you - the longer you will be a customer ...often they will offer an incentive  like a slightly lower rate  or removal of a loan fee  in order to  entice you to open up an account ….. don't overthink this  option …..all the best

I could not figure out how to turn them right side up. 

Then figure in having to update units every 5-7 years with new carpet, paint, etc.