Dude your about a year late. My wife owned her own about two years ago and did ok, But then got offerd to be Vice Pres. of a larger company and took it. Then the refi boom hit and she has done realy well but now that the boom is over they are shifting to BCD loans and it's tough.
You need alot of cash to put your name out there, like a mil. to be able to make money in the first year. Plus you will work all the time. My wife never touched the boat this year, she works 80-90 hours a week.