As an out of state investor, am looking to work with wholesalers, agent or bird dog who can walk the ground .

When you start to get into larger properties, it can begin to make sense. 

Landlord-tenant regulations are a bit complex in California and getting hands on is the best way to learn before expanding into larger investments. 

Unfortunately, timing was about 2 months late and the market went dormant for larger homes in our area around late August when we had the home finished.

Not sure if this appeals to youJoint Ventures: Partnering with a larger hospitality group or another investor might not only bring in funding but also expertise and industry connections. 40% of a deal is better than no deal.

Scares all the horses and dogs, but hey, it's ony a few times a year....

Scotia Bank in Costa Rica will allow you to open up an larger account as 'business owner' if you own your properties in an LLC but the process of opening an account is much more difficult. 

Your assumption about them being understaffed or prioritizing larger clients could very well be true.

One of the larger ex-pat directed real estate investment communities here in Japan targets all-cash buyers. 

If I may, a lot of the issues we are running into with insurance is that consumers no longer use insurance as a catastrophic fall back but rather, they nickel and dime on small claims that compund into larger issues.