If something happened to me, I wanted my wife and kids cared for.

Quote from @Jimmy Rojas: Thanks for the reply, i think it may not be worth it after all, may I ask did you use a calculation app to come up with the mostly payments, if so, care to share it with me.One more thing.

In our company we basically use the cloud based expense reporting software that takes care of the accounts, invoicing and billing in a precised and significant manner.

We've never had any issues whenever we submitted a claim, and they would take care of the type of situation you're dealing with.  

Charge more to traveling health professionals.  

Their system will kick out info, so be careful and verify what you see on there. 

But honestly I don't care how many courses you take you must have a local team or you will crash and burn.

Pro tip--make sure your exhaust fan in the bathroom is vented to the atmosphere--meaning out to the outside.....go out the roof or out the side of the unit or secured to an opening in a soffit vent grille off the house. 

So, you still need to be careful:)

One tip is too is reaching out to some people in your market place that are doing flips and see if they can send you their spreadsheet they are using.