.: Getting quotes for the house I'm closing on in April and wondering what to how with for coverage limit and umbrella.

Once you have the place under contract you are time limited.

So it does appear to be possible to get an FHA 203k loan for a 5-unit & convert to a 4-unit.When possible, aim for the Limited (aka Streamline) 203k loan, as it's less complex, not required to get an FHA consultant, etc.Of course, this is based of the two following important assumptions:1)  zoning allows for this2)  and obviously I owner occupy for at least 12 months3)  the total purchase price + renovations are within the FHA loan limits specific to my areaWhat I'm confused about is the timeline or chronological order of the process? 

You need to contact support and ask for increased limits.

That way, her limited funds can go toward her own living expenses. 

All that said, depending on the size of your RMDs, liquidity needs, and total income, you may consider making deductible contributions to your own IRA ($7k limit, $8k if above 50).

Wyoming permits directed trusts, which allow a 3rd party (often a trust advisor) to direct certain aspects of the trust's administration, providing greater flexibility and control to the trustor.6.

They control the tax bracket and tax calculation.

This allowed me to control renovation costs, streamline operations, and accelerate my investment growth.

You’re on the right track—build awareness of costs where it directly impacts their role, but don’t overcomplicate the program with factors they can’t control.