I have a newish FTP team that's run through the first three levels with records of 158-4, 151-11, and 151-11. Currently 42-6 in Bronze, which is .875. It's very doable at the lower levels. Starting a new team late-cycle is a disadvantage in some ways (mostly due to not having a big backlog of cards built up for instant new-mission completions or generating great tournament rosters), but the big advantage is that you're also not saddled with locked cards that were great three months ago but useless now.
I also have a team that pulled a 103 Skubal Combinator and sold it for two million points. Instant roster upgrades everywhere. Went from Gold doormat to dominating, with 102's and 103's nearly everywhere. That amount of in-game cash also builds on itself through Diamond and Perfect pack pulls as missions get completed.
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