It’s probably a little heavy in RE (according to my Financial Advisor), but annuities, insurance, 401k, gold, ESPP, and have a Day Trading account that is performing at 66% this year are all part of the mix.

This can help offset costs and improve your financial position.Cash Flow- Calculate all expenses related to both properties (mortgages, property taxes, maintenance, insurance) and ensure you have a positive cash flow.Vacancy Rates- Factor in potential vacancies when estimating rental income.

is it like auditors for financial results?

Sometimes these insurance contracts come in legal sized paper- possibly a harbinger of what you'll need to do to collect fairly from them, But always expect them to perform completely on the things which are in their financial favor.

It all comes down to personal financial situations and tolerances for risk, debt, etc.

It's understandable that you're frustrated and disappointed with the level of service you've received, especially considering the financial impact it has had on you.It sounds like you've made several attempts to reach out to the company, including contacting the VP, but have not received a response.

Regarding investing remotely:Recommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a Class A property in Class D area, what quality of tenant will you get?

Just make sure you maintain a financial cushion for emergencies.

Because I wanted to lower my financial risk. 

After that, run the background and credit check, verify their income by reviewing the financial documents they provide, and contact their employer to confirm their employment.