I have to close, apply for a conditional use verification, get inspection ( requiring wired smoke detectors, other safety features) and get a business license.

If the person views the successful individual as someone at a lower station, from any metric, age, profession, education, ect the effect is magnified which drives them to seek increase their own success. 3.

I definitely think with your age and the money you have, I would look into a vacation type area that has STRs.

Plumbing is historically one of the most difficult things to fight since age and the structure matter so much and it is nearly impossible to pinpoint one issue that caused the damage. 

Some allow cash, most require the 10% deposit to be paid with a certified check made out to the referee but there is no verification of funds.

They are not able to assign a value to things like roof age.

Its extremely important when running tighter margins like what you're talking about to focus on age of HVAC, water heater, appliances, roof, etc.

Not looking to refinance, and not looking to use personal income verification. 

What I would do today knowing what I know and based on my age (im 54 now).

Not all do, and there's potential those carriers won't accept the risk for a myriad of other underwriting reasons, too- age, current condition, etc.