We currently use eMoney which is great but can get expensive as our firm grows and can a lot of times be too complicated for most clients. 

Charlie, you are correct on RESPA as Federal regulation, but finder's fee for unlicensed individuals in real estate is state by state regulation - In California, for example as long as it is diclosed this is legal - "In California, a “finder’s exception,” allowing an unlicensed person to be compensated for introducing parties to a real estate transaction, has been judicially approved since 1923.

I have kind of a long complicated story that I’m guessing nobody really wants to hear so I’ll cut to the chase.

Is flipping land complicated?

these investments get complicated thats for sure..

Your proposed strategy may make litigation after a claim arises more complicated and costly for you to defend.  

The property is in Pell City, AL and I was able to find this is a non-judicial state and potentially would not be tied up as much unlike a judicial process since it’s not going through the courts.ThanksDaria 

Its not real complicated, its purely a math question.

However, due to it being:1) In the state of California2) A shared home, rather than an outright external property being rented...the default insurance company on offer advised that many carriers are pulling out of CA and that I should go to a local insurance agency.My current insurance for home policy does not offer a "home-sharing endorsement" but only a separate renter's insurance, which would complicate things, since it's for traveling professionals, and they're not going to be booking for 12 straight months.

In most cases, neither is warranted.Warning: I am not an attorney, and this can be a complicated topic.