Guests on VRBO never question this because everyone on VRBO does it.And I think @Alanna Schroeder advice is definitely something most off island owners don't think about.

There is a definite liability to being a "GC" of the project, vs the I didn't realize, my contractor didn't tell me I thought they did it ... for minor things

I wonder if he dealt with occupants differently, they wouldn't have destroyed the place.  

They definitely were 40K homes when i started in 2017

Wondering if anybody has invested with American Homeowner Preservation out of Chicago? 

I am definitely planning on occupying the property. 

I’m trying to assess which neighborhoods might have the best rental demand and growth potential, but I’m not sure I’m covering all the bases when It comes to pre-foreclosures and foreclosures.I’ve also been wondering how essential it is to work with a real estate agent or wholesaler when identifying opportunistic distressed properties.

Definitely not my most helpful post haha but I am sure you will make a decision that is best for you!

Definitely wouldn't trigger the clawback penalty but it's still good to be aware of it.  

2) I haven't yet reached out local banks, but seeing the quotes from brokers makes me wondering if Banks may be better?