@Chris O. and @Erik Stenbakken since you use OwnerRez also, did you see that they now integrate with Touch Stay digital guidebooks?

What verbiage do I need to use with a lender to get a lower payment w/o losing equity?

This is WITHOUT relying on long term market rents to debt cover AND w/o requiring 12 months operating history.  

It depends on what kind of expertise your B-O-G rep can offer for you.I would absolutely get references and run a background check, which you can easily and inexpensively do.Since they're a 'contracted employee', you may decide to ask for them to provide you all necessary information that may be found on a W2 for tax purposes, taking a copy of their license also.Just make sure you thoroughly vet and set proper standards of communication and required details when they're sent out to a property on your behalf.

I have spoken with a real estate appraiser who used rent-o-meter and they confirmed with me that the price is appropriate based on comparing three other rental units in the Mill Valley, California area.I am attaching below photos of the unit.

EXP allows for 3 personal deals per year w/o fees (mostly).

Hey Rashad Kennedy Bill Gulley Ted Scearcy So just so I'm understanding correctly, if I have completed all the other requirements, agencies will just let me "hang my license" (so to speak) in their shop w/o doing any work for them?

I'm currently 29 y/o and purchased this condo during the pandemic because I wanted to stop paying rent and start building equity. 

Could you legally earn that fee w/o a license?  

Residential Property - 10% CASH Down Payment (non o/o 15%+) - 9% Interest Rate or higher - 30 Year Amortization - 7 Year Balloon - 650 Buyer Credit Score or higher (non o/o 675+) - Minimum 1 Month of Seasoning Commercial Property - 20-30% CASH Down Payment - 11% Interest Rate or higher - 30 Year Amortization - 7 Year Balloon - 675 Buyer Credit Score or higher - Minimum 1 Month of Seasoning Land Property - 30-50% CASH Down Payment - 12% Interest Rate or higher - 30 Year Amortization - 7 Year Balloon - 700 Buyer Credit Score or higher - Minimum 1 Month of Seasoning Business Notes Unlike property, notes on Businesses do have minimum requirements.