I would not recommend relying on a HELOC as emergency funds for everyone.

I recommend legal advice from an attorney.

Looking for recommendations for a property management company in Cincinnati.

For a first time investor, I definitely recommend house hacking for most people as homeowner loans are by far the best in terms of rate and LTV. 

Any podcast or blog recommendations for DMV STRs or general STRs?

Our pet deposit is non-refundable which is what I generally would recommend (assuming your state and local laws allow that).

I second Mark Cunningham's podcast recommendation.

Appreciate you sending along the book recommendations and people connections. 

--------------------------------------------------------------------------------------Recommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.Property Class will typically dictate the Class of tenant you get, which greatly IMPACTS rental income stability and property maintenance/damage by tenants.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a property in Class D area to Class A standards, what quality of tenant will you get?

Any recommendations for Umbrella insurance providers for each partner to cover any liability?