I've been recording my walkthrus on my cell so I can go back to what I saw and just missed mold in my calculations!

They don't need a landline as their units have cell coverage.

Text my cell phone anytime. 

Cut the fat from the deal.

But you should know that retirement accounts can be self-directed, meaning that you now have the ability to invest in alternative investments such as real estate, tax-liens, trust deeds, private lending, etc. etc.I would argue with you that that one of the worse plans that the insurance industry has come up with is the cash-value insurance policies that some of the insurance agents sell who are interested in fat commissions checks when they sell such policy and disguise them as retirement plans. 

I'm interested in debt instruments and how I can be a fat cat too ;)Please advise.

Just pick up the cell phone, and make some calls.Good luck!

and people can smell your fat wallet coming from a mile away.

I also notice cash for gold and prepaid cell phone stores in questionable areas.

If it is a management company, I find their office phone number online and call that number instead of the manager 'unverified' cell phone number.