Anyone know if these hoa insurance policies are sufficient or do you have to supplement it?

I'm sure that the enviro subject would be included in any "land use" concentration but additional subjects, such as water treatment and hazardous waste issues IMO would supplement your background.

I do not plan/expect for real-estate to become our sole source of income at any point - only a hefty supplementation.

Commission can supplement income on property you buy or help others buy.

The problem with outbound marketing is exactly what you mentioned above; paying for addresses and numbers that don't respond.Most of the investors that I work with directly have inbound marketing setup as their primary source, and are doing outbound marketing as a small supplemental source of leads.

For the application, does anyone know what you can and cannot ask for, to supplement the income? 

Properties make a fantastic investment opportunity for anyone looking to replace or supplement their income.You enjoy many rewards and boost your profitability to a whole new level.

A good PM should be doing this for you - if that's not happening - you'd be better off spending your effort/time finding a better PM then working on supplemental advertising to theirs 

It's very common to get an interest only loan in the multifamily space.While in the SF space, you do cash-out refi with a new mortgage, it is more common in apartments to get what is called a supplemental loan.   

To supplement other retirement income?