For example, the insurance company offers you $100k.

Separately I have a personal umbrella policy.  

You’re going to deduct the rental mortgage interest against your rental income and your personal mortgage interest (if allowed and more than standard deduction) against your regular income.

I currently use Wells Fargo and it’s a pain in the butt to keep going there in person and setting up a security deposit account.

My number one piece of advice is finding a group that you can attend online or in person to keep you motivated and accountable to your goals. 

Private lenders generally have fewer restrictions, a faster process, and can structure loans based on the property’s value rather than just personal income. 

The local who lives there but commutes 30-60 min to another community because they can’t find a job to support their family in their town.That same local knows that a 4plex would be great on that lot that’s been vacant for 20 years and that there are at least 4 families who could benefit greatly from that development.That local knows that Ryan’s plumbing and Katie’s electrical companies that service 75% of the town really needs a new flex space to use as a shop, storage, and parking for their business so that they aren’t working out of their garage and can hire a couple of locals to work with them at the office and in the field.Development is different in our small towns but if locals aren’t the ones doing it, and developers aren’t coming, what happens to our kids futures?

While that's great for him I would not be even considering this person an expert in the slightest with such limited experience. 

One person works for a well known home builder. 

You now don't seem like the type of person most of us would accept a recommendation from.