You can of course improve this general rule of thumb by:1) putting more money down to lower your monthly payment2) buying down your rate to lower your monthly payment3) get a cheaper insurance quote to lower your monthly payment4) use a different product with a lower rate for a lower monthly payment like a 5/1 ARM FHA5) if you're in a historic district you can apply for property tax exemptions which lower property tax and thereby lower your monthly payment like in Orange, Ca they have a Mills Act which reduces the property tax to about 1/10th of the surrounding properties.

Just for clarity... in my state (WV) any activity where I sell someone else's house could potentially be considered a professional real estate transaction requiring a Realtor license. 

It is a way to find current contact info and whereabouts from old/incomplete contacts and whereabouts.When used by a Real Estate professional "skip tracing" refers to obtaining phones numbers from name and address info of property owners. 

Or it can only be used for professional cleaners?

Brokers' poor reputation has caused many brokers to rebrand themselves as “Commercial Real Estate Advisors” or “Real Estate Consultants.”This is similar to the Wealth Management and insurance industries, where commissioned salespeople pretend to be professionals who always keep the client’s best interests in mind.

Attended a couple courses.

Of course I understand many buyers go FHA because they have limited resources, so it may not be an option.

You'd think I set you up to ask that so I could promote it, but of course you know that's not the case. 

I've gone to see gurus, paid for some minor courses, but never jumped all in for courses in the thousands. 

Of course there is still the tendency for jokes to get a disproportionate amount of votes as several have alluded to, none of it is perfect.