What state? KY? Are you in a disclosure or non-disclosure state? Some boards require you to be affiliates others to be actual appraiser-Realtors. You only have to take their idiot "ethics" class which basically teaches you to be ethical first to you boss, then your client, and everyone else is fair game - fellow agents, appraisers, etc.
There is a slow way.... in a disclosure state. Most have some sort of access to the assessor field cards and the deeds and mortgages - even if it means going to the courthouse (yes, when I started we went to the courthouse and searched paper records)... Much of that is on line. Anyway, with a search of the assessor sales you can get the addresses... or use Zillow to ID similar properties . Then by typing in the address you will be looking at most listings on Zillow, Trulia, Realtor.com, Redfin, or even LoopNet. Almost always one will give you the MLS # and the agents or brokers involved. You can confirm things with them. You can confirm the financing by the mortgage papers. How much, how long and if FNMA/Freddie the form will say so at the bottom. If FHA it will say so. If it has a check mark by the VA rider it is VA. Look for mortgages held by the seller (MLS rarely tells you about owner financing...calls it "cash") And all other mortgages are typically in house bank loans and do not say FNMA/Freddy, FHA, or has that rider clause. These are non-conforming conventional loans (aka "in house")...
So if business is so slow you cannot justify the cost of the MLS, then you have time to research the way I describe above. I work a very broad area in my specialty and if I joined every MLS that exists there, I'd be bankrupted. But if in a non-disclosure state. You have no choice. You have to join the MLS or else get no data.
