This has become increasingly problematic  with rising material costs and more burdensome building codes now present in most municipalities. 

Yes $6800 is my monthly income, I am in the military so my income does rise but not significantly.

Hard money can get you in the door quickly, and partnerships can help split the financial load.

I’m sure it’s a way to get business in the door for them however but does seem like an actual structure to have down the road at some point with more properties. 

Is there any other options anybody else would do or would you just wait 6-12 months to refinance to start on my next venture?

I currently own 4 doors here in Columbus, Ohio and looking to add more.

I currently manage 36 doors.

You can throw some tenants in there, nobody is going to come there and lock your door.

Does anyone have recommendations of what I can do or where I can look to get liability insurance? 

Phase #1 - Recovery  - characterized by high vacancy rates and no new construction- rent, during this phase, is flat or declining- owners offer rent concessions to avoid their property occupancy rate from  decliningPhase #2 - Expansions- characterized by declining vacancy and the start of new construction- occupancy improves, concessions are not being offered, and rental rates being to growPhase #3 - Hyper Supply - characterized by new construction and vacancy rates beginning to rise - rental rates begin to grow at a slow rate- rent concession are being offerred due to the new construction in the area [in the hope of retaining current renters]Phase #4 - Recession - characterized by the completion of construction and a decline in occupancy rates - concessions are abundant to avoid high move-out rates Here are some foundational truths about optimizing your investments:#1 sow seeds of success in the down times - "The season of failure is the best time for sowing seeds of success."