@Matt Porter The FHA funding fee and monthly mortgage insurance are non-negotiable items and are set by FHA ... nothing your lender or you can do about that. 

Simple ——> you allow your seller to go direct to buyer and in an email and in writing you and the seller agree to your fee and have the closing company add your fee as a line item on the seller side.  

Real Estate Training events, where they give a discount for a spouse or allow them to come at no charge, is definitely a way to begin to get on the same page. 

When I got into real estate brokerage it seemed like I was making a somewhat permanent decision and it pressurized the situation more than it likely needed to be.In hindsight I'd say: go with the brokerage that is going to train you excellently and offer mentorship.

Members of the training/mentorship have priority access.  

The national and especially local COVID eviction moratorium has identified a new risk item. 

Reliable long-term appreciationGood Metro Options to look into if moving from Jax and want to stay in Southeast: Atlanta, Nashville, New Orleans, OrlandoImportant item to note: I know Atlanta just created a few restrictions for STR, but still worth looking intoBest,Ben Scarborough

Commercial will also probably take a higher level of expertise and training. 

I'm new to this whole process and am trying to find out all the information I would need before enlisting this company to build the items i need.

In addition, just because items are depreciated for tax purpose over 27.5 years does not imply a life span of 27.5 years any more than replacing a water heater depreciated over 27.5 years implies the water heater has a 27.5 year expected life span.