Building a team is something after you build the skills yourself, then teach them to other people to leverage more and more.

It can't be that expensive or it is even more reason to do so.

Anyone answering is not responding as a Tax accountant, Insurance expert or as a Financial advisor.  

I do work and Cleveland and have contacts.

@Vince Au no one can predict the future.There are some interesting facts you should confirm for yourself (NEVER believe anything anyone posts here!).

I think our best client in the last 4 years we probably made them $750,000.Then I get the call from the one property owner trying to nickel and dime me that we will charge $190 for his townhome and he can get someone else to do it for $125.

I would focus on credit, consider some alternative options to "free your Benjamins" out of your home, or even consider doing a partial sale of your home to give you capital to get back at it!

Do not rely on it for legal advice.

I like it, so much I'm doing almost exactly that with a partner. 

The plumber mentioned that they can lodge a complaint, but it may take a few days.