If you are buying a house of any kind with mechanicals and roofs, you need reserves.

In the free version it appears, at least by the way I entered them, it seems like it is auto calculating significant expenses for them but I am unsure of the assumptions or the way to edit these?

I've tried talking with some of the agents suggested by the auto-tool BP provides for "find agents in your area", (only 5 were suggested!

A couple other tips;you can’t use the renovation loan to finance renovations to the commercial space. only exception is if you need to do repairs to the core structure or mechanicals that are integral to the building (ie, structural work, sewer lines, water mains)Make sure you work with a lender that knows how to do these.

Compared to 2018, I am paying 6x the premiums on homes, on autos it's been more like 4x. 

You might consider listing on both and just not accepting auto-books to maximize potential.

Tell them what you're looking for and they'll set you up on an MLS auto search such that everything matching your criteria will be automatically emailed to you every morning.

Pay an attorney to write your operating agreement and then you can do the mechanics of the set up your state website as others have suggested.

Buy and HODLing will always reign the best course of action; sell preservation mechanism physical assets on rallies due to turbulence, and buy back in times of peace and ease.

Teaching personal finance, woodshop, home repair, car repair (the mechanical part) and cooking should be required at every high school.