Where do you live? I've never heard of an agency requiring payment from a new hire, so maybe that's a practice in some areas and not in others.
I can understand the $100 a month - because furnishing you with a desk, phone, etc. is expensive and they don't know if you're going to work and be an asset to the company. When I was a broker I didn't charge, and it did sometimes cost me $$.
Many agents just sit at their desk sand wait for business to come to them, and that is an expense to the company.
Have you checked the classifieds for agencies searching for new agents? If I were you I'd call each one of them first. Be very business-like and ask about their policies and procedures.
You need to know a lot of things - such as the commission split, the expenses they pay vs. the ones you pay, their advertising policies, floor time, and availability of mentoring (if any).
Check the independent agencies as well as the franchise agencies. You may find an owner/broker who is willing to help you get started just based on your sparkling personality and your eagerness to succeed.
Remember - don't go begging. Yes, you're looking for a job, but the person who hires you is looking for someone to help him or her make more money. Focus on what you will give - not on what you hope to get.
If you need to take a smaller split for a few months while you prove your worth, do it. Then do a better job than all the seasoned agents in the office.
I was in real estate for 19 years - 9 of them as an owner/broker. Now I help other agents market themselves through my services at www.copybymarte.com.
For a free 7-day mini-course in self-marketing, send an e-mail to firstname.lastname@example.org - and if you'd like marketing tips and ideas weekly, write to email@example.com.