Hi Chris,Long story, but an umbrella policy is not an option for me.

I obviously have very little experience or knowledge in real estate investments but hopefully can make some good decisions for me and my family.

Rufo  Also consider the fact that when you switch from STR to LTR or the other way around, you will need your CPA/tax professional to do the IRS' 3115 change of accounting form to go from 39-year depreciation for STR to 27.5-year depreciation for a LTR.

I am running short term rentals, which have been an amazing business for me and my kids. 

Two things I have seen, one form of Gator lending is indeed loaning money to wholesalers for EMD for a cut of the action.. either interest rate or profit whatever they can all negotiate.

Yeah the idea of having someone else do the calling for me is nice.

However, we plan to keep our jobs until we’ve reached a sustainable point with our investments.Right now, wholesaling hasn’t been working out for me, and while I’m not giving up on it, I’ve realized I need to focus on one thing at a time.

So, if I were you and was going to buy an office building, the first thing I would do is get some form of a BiggerPockets office in there, an outpost or a bigger one (I don't know what you guys have now).

Instead, the commission is passed along to the investor in the form of increased equity.Most of the time, the REIT has liquidity as an option.

As a lender it is a big red flag for me when I ask a potential borrower what the ARV and rehab budget is and have them say "well, the wholesaler says xyz".