what were your thoughts after speaking with them? 

@Kaaren Hall after seeing your post i called them right away, their fees are extremely high for an HSA that for the most part most people don't have a lot of money in.I max my HSA every year, but if you have a self only plan you can only put about 4k /yr  and if you have some medical bills it's less.they are also very restrictive on taking money out, and no CC to pay the doctor. prior to speaking with them I was extremely excited to see this opportunity you suggested,  but after my conversation I'm no longer...I will look for other options now that I see there may be some, so thanks so much for bringing it up.

Dominic, I've found that participating on BiggerPockets forums, appearing on podcasts, and speaking at conferences have built trust with first-time passive investors when those forum posts, podcast discussions, and conference presentations show my experience, track record, and market knowledge to those reading, listening, or attending.This doesn't mean "selling from the stage", but instead, sharing actionable, useful information that I've gleaned from my many years of experience and from my own research. 

Hey @Nick Gallon Martin, I recommend speaking to a Tax Planner/CPA, @Jeff Nash would be a great resource for you.

Generally speaking, I would not recommend STR in West Sacramento, however, we'll see if that changes with the A's coming to town :)

After speaking with some agents I’m a little confused.

I guess when you speak of skip tracing folks you just mean seeing if you find a contact to actually speak.

I am not speaking about removing regular home insurance and 100% relying on the Aircover.

Generally speaking when you find more owner occupied properties and less rentals you're in C+/B class.

@Bhushan Shinkre  I was speaking about fraud against your tenant sort of like passing bad checks, but I don't know if you can do that.