In addition, the debt of each state is crippling.

Big expense up front, additional expenses over the life of the lock, they can be too complicated for renters to figure out, and they don't solve all the problems a landlord may face.

They also tell you that if you need additional onboarding that they are happy to set up additional classes. 

The hard money 10% plus additional thousands in closing costs was too much to swallow. 

Went on to purchase additional rentals so tenants can pay down the loan and I build equity How did you find this deal and how did you negotiate it?

Also demand proof of insurance from tenant as yo insurance and add you as additional insured.

I wanted to help them out and minimize their loss and saw an opportunity to get a property slightly below market because of my commission savings, immediate mortgage and maintenance relief, in addition to keeping a lower short term interest rate How did you find this deal and how did you negotiate it?

These are professionals with additional training and a stricter code of ethics.

What zoning code could I request a zoning variance or rezoning that would allow us to have the 2 livable units on parcel, one primary residence and one additional living unit (known currently as ADU)?

I would like to find a way to generate additional income and am exploring options other than having a long-term roommate.