The dream for me is to eventually free up my time and have enough income from real estate to be able to pay for my music projects, travel, etc. 

My preference is to receive the full commission, then pay out the referral fee.

As a result, if that carrier goes under and is unable to pay claims, the state is not required to backstop the policy.

They are paying me rent directly.  

Typically this means they will take longer to close, may not have all the information for the companies they work with, and most hard money brokers get their money by taking an existing product and adding extra points to pay their fee.What is your investor success rate?

But ya have to make some educated prognostications in life.Add this to the information your processing - What your talking about doing is eliminating around $4000 or interest expense (which is deductible anyway so really could be a real impact of eliminating $2800 or so) of debt in exchange for paying over $10K in capital gains tax (don't forget possible state gains tax as well).  

Unfortunately, over the 11 months he has lived there, he has only managed to pay the rent on time once.

Maintenance can also be a factor—while newer homes may require minimal upkeep, older units might need more frequent repairs, particularly for things like plumbing or HVAC systems.Some things to pay close attention to:Zoning and Permits: Check local zoning laws and permit requirements to ensure you’re allowed to place a mobile home on your land and rent it out.

Or offer it as a premium for paying members?

But yea I’d have to call and figure out if I would need to pay anything extra for that