The plumber did find feminine products in the clog, but there was also a sagging low point in the line of 30' that probably contributed to the problem.

I have not seen that often.There are several, programs independent of FEMA that are providing Flood coverage. 

It depends on what you want, if you want to be almost 100% independent and earn the max commission a cloud broker might be best if you need guidance and/ or leads and are willing to give on commission for it a more traditional option may be a better fit.

I am interested in achieving some level of financial independence with "house hacking," which seems entirely doable in Philadelphia but not so much in Phoenix.

As a single, independent mom of grown kids - it's all on me.  

Very tricky.What might be easier is over 62 independent living with ramps, grab bars, etc.  

It ignores the things that are destroying families, destroying financial independence, and destroying wealth in modern society.

My partner is independently wealthy, with free time and money that he wants to start working for him.

At the meetup there was a speaker who was talking about his success to financial independent and when he went through his list of rentals he bought over the years it left me with a lot of questions. 1: Most of his rentals he bought in B+ to A area's in the 300-450k range in Florida.2: His numbers just didnt make sense, one deal he posted it showed literally like a +$5/month cashflow only....So afterwards i started to talk to him more and he mentioned that he is not the type that invest in cashflow, he is a equity investor... intrigued me so i asked more questions and basically he went on to explain to me that he buys properties that need a little bit of work, but have built in equity in the deal, but he has 4 main rules he goes by... 1: If the Roof is greater than 10 years, he always puts a reduction in his offer for a replacement roof.2: If the A/C is older than 5 years, he always puts a reduction in his offer for a replacement a/c.3: If the house is older than 30yrs old, he always puts 10-15k reduction in his offer for a water line replacement.4: He refuses to buy houses with pools....Anyways after a bit of talking he explained to me that he buys larger 300-450k houses, because most investors are educated to not buy them, so there is a lot of room to wiggle on the deals due to lack of competition on offers and most people in that price range are easily able to be purchased with a few % out of the deal to skip agent commisions..Example he gave me, he recently bought a 455k deal for 405k, but the ARV 535k, because he talked them down in needing a new roof, and a/c and offered to pay cash instead of going through an agent if he would drop 4% off the price for that... 

Hello Everyone,I have some beginner questions for my REI work.I already have an agreement as an Independent Contractor with Century 21 once I'm finished with getting my license, aside from that I'd also like to begin to actually start investing in Real Estate myself.