I define small business owners as people who employ w2 employees.

Those things won't matter if your business crushes it.

Friendship and business don’t always mix well, so it’s critical to use a solid lease and treat this as a business arrangement.

The policy was $2200/year ($1.1M Bldg coverage and $1M Business liability coverage in this apartment LLC) and I haven't had a single claim in my past 5 year history.

Quote from @John Lasher: I've heard from so many investors that they have put a pause on their flipping business.

It's not a sound way of doing business, especially if you hire some random VA to call for you in an area they know nothing about.Agents should always be building their sphere and creating warm inbound marketing from social media, events, and meetups instead of doing spray and pray.

The other is a smaller operation which does a lot of business in the specific neighborhood the house is in.

So, get busy on your listings. 

Most importantly, understand the difference between a business purpose and consumer purpose loan.Read my post in this thread, which details our process in actionable terms.

In return for excellent service I'll be offering repeat business and I'll happily provide referrals to my existing investor network for those top performers.