Each of these mentor groups have their own flavor pr vibe.

How to spot an Asset Protection Salesman, as distinct from an asset protection attorney?

Thank you @Scott M. for making that distinction between the two.

I distinctly remember watching a youtube video over a year ago where crunching the numbers finally "clicked."

I don;t know about Geico, but some carriers (State Farm for example) make a distinction between "personal" and "commercial" umbrella.  

He's not allowed to sub out any work to others without my permission True, and that is true with any contractor I hire, if I hire you, YOU are to do the work so this does not strike me as a determining distinction either.7.

Remember when they split them up into two distinct entities?

OTOH, any sort of "active" business gets hit with UBIT.I wonder if a distinction is that buying stocks, bonds or commodities is a transaction on a public exchange.

I beleive this is an important distinction because you appear focused solely on apartment buildings that were acquired because of favorable debt or other bad projections. 

James, great post, and that distinction between people viewing real estate as a business versus an investment has been on my mind a lot lately.