Also, can you say more about landlord vs renter’s policy on insurance ?

Several options you can explore to get the down payment capital: Solo401k; HELOC on personal residence or from equity of the SFR; Cash Value Life Insurance Policy; Business Credit; Private Lenders, to name a few.

Office; AND$5M or more in revenueSEC regulated investment companies + certain business already under strict regulations from the Federal Gov'tWho is a "beneficial owner"?

I appreciate all of the detail but what information was provided to the agent that wrote the policy?  

Get some policies and procedures in place.

If they are VERY professional, they will have their processes in writing as verification that policies are enforced equally and fairly by their entire staff.6.

My question is, If one is to be strictly commission based, Is finding a broker with mortgage industry similar to finding a broker with real estate?

This would be the safest approach but also, anyone that is worried or has extra strict oversight in their area could simply avoid anything alcohol related in their packages.

bad tenants need to be strictly held to the lease or the will try to take advantage of landlord softness. 

What I mean is, some investors look strictly at cash on cash return, some look at cap rate, others just want to make sure their mortgage is covered.