I’ve contacted NicklinPM and Key Properties at the moment .

At the moment, we are using American Modern and Sage Sure through our insurance broker. 

BUT I have also heard that it could trigger a due on sales clause, bringing the note fully due at any moment.

That's exactly what i am doing a this moment.

We live in California at the moment and I have W2 job and my wife a small online business.

It doesn't help with teachable moments.

And just wait for the answer, and what ever they say you might reply with your value proposition like, “mr and mrs seller, as a new agent I will only be working for you, you will be my one and only client and I will dedicate my every waking moment to sell your home, wouldn’t you want this much dedication to you and your home?”

Now I own a thriving property management business, run a real estate team helping other investors learn how to grow and scale their portfolios, I have my own modest investment portfolio and have two development projects going at the moment.

I just don't know how at the moment, but when that day comes, I'll suddenly remember Nicholas L.

There is still a risk: You do not have the right outprice and lose money, your deal goes south due to unfound things when you bought it, then the rehab phase brings them up, and you spend more, and the market changes, which is something that can happen on a moment's notice.