(Worry #6, anyone who actually visited the property would see neatly trimmed grass and plants, snow was shoveled, trash can has recent trash, there are cars with clean windows and obviously used regularly, there are cats in the windows, lights are on, looking through a window shows furniture, etc.

I do make a traditional commission on the base policy.This kind of policy does take some specialty work - that’s why term is so popular  it’s much easier to sell, but a lot of my business comes from referral.

Traditional owner occupant home buyers?

Well, @Rafael Encarnacion it is a subject to deal, though not in the traditional sense. 

Hard money lending is the most traditional for a flip. 

The tenant is responsible for all snow, ice, and debris removal from rear door exit to rear porch, rear porch steps, and rear sidewalk abutting steps.

Just let the traditional loan close with the buyer /seller and then get your check directly from seller.

(preferably a 4 unit with some value add available) After this we will save up again and purchase as many more small 2-4 unit properties as we can via traditional financing until our debt to income limits us.

@Brian Burke@Bryan HancockAlso look into a self directed IRA to be used as vehicle to defer or eliminate tax (traditional or roth)@Dmitriy Fomichenko@Brian EastmanSee https://www.trustetc.com/

Thanks for the reply Marty Johnston My first commercial property was through traditional bank financing but I have another company that occupies the property so the qualification was very different than for investment purposes.