(sounds like you're in a good position!)

You could talk to her and ask her once she's caught up if paying half on the 1st and half on the 15th is easier for her, but they MUST be paid on time.This may sound harsh, but you said "She has 3 children, and he bailed." 

The emails themselves make it sound like I am communicating off platform and taking business from them.

So, I would not be allowed to turn the property into a quadplex BUT could turn it into a duplex with two ADUs, one attached (the additional unit built downstairs) and one detached (the renovated and converted garage).Does this sound accurate to the community here?

@Michael Kazalas, personally this sounds like too many cooks in the kitchen, but also a very clear violation of SEC rules around material involvement.Granted, I don't know much about fractional ownership other than vacation rentals, which are limited to 8 owners, typically.  

Covers the building, $1M/$2M commercial general liability and loss of income.It does not have some of the bells and whistles that an STR specialty policy like Proper has, like coverage for liquor and off-premise liability. 

Sorry, I am reading a bunch of internet-nonsense here mixed with a few half-true statements that makes them sound semi-realistic.

You are now 4% lower than what you are thinking and it sounds like you maybe 10% lower soon enough..

It sounds cheesy, but the best way to prepare is to work with a friend or two and role-play.

This sounds good, I’m going to see if we can make this work thanksKyle