in my market, the benefits of Section 8 are outweighed by the incompetence of the local Admin. 

. • 6.075% rate• 30-year fixed• 5 year PPP (5/4/3/2/1)• 2 point origination (or 6.225% for 1 point origination)• $1,495 underwrite/admin feeHopefully this gives you a good idea of the different terms that are available out there. 

And then call the guest or message directly to their personal phone number and work it out that way.

While working your current job, consider joining a local real estate team part-time even in admin or marketing, to gain hands-on experience.

A contractor with 203K experience OR a solid admin team.

This admin is determined to get rates down regardless of the economic view.One thing I forgot to mention is my current rates are adjustable rates. 

And would like to at least do some basic vetting over the phone.  

I use my phone now.

.- various contacts' information (when met, skills, phone number, email, etc)Is there a program that incorporates a variety of record keeping tasks?  

On a rare instance I use the web browser on my phone but most of the time, I use BP on my computer.