Check out Fannie Mae HomeStyle loans as well.

Agents should not be paid more than 6% and this is backed by Fannie Mae and Freddie Mac guidelines.

You taking a break from sipping Pina Coladas on the beach,I am maxed out with the amount of Fannie Mae properties at 10 SFH loans.

I work with mortgage brokers from my agent's office. my credit score is low so 30 years fixed loan from Fannie mae would be too expensive for me 4.8 ~ 5.1%. my mortgage broker introduces me to portfolio lenders who often offer Arm products 4.25% 10/5 with 1 point up front.

I called up the Fannie Mae resource center and they said there's nothing they can do; if my agent wants to file a complaint they can, but the results of the internal investigation may take time and will never be made public.I guess my question is how can I or my agent approach listing agents in such a way that gets them to want to actually do their job and return phone calls or show a property?

If your lender originates loan and sells them on the secondary market (this is what most lenders do), they will be subject to the standard Fannie Mae underwriting requirements.  

In the future I'll get more creative, but going the safe route at first: Fannie Mae Investor Loan on SFH, 10% down, doing deal through mortgage broker reccommended by Real Estate agent.

For a standard Fannie Mae type loan you will have to put minimum 20% down and for 4 units or more it will be 25% down, this is regulated by the government.

also look at the income, if commericial income is less than 20% then you can get Fannie Mae debt at 6.5% today.

If you know of a conventional Fannie Mae lender that allows it, I'd love to get their info.