Ideally I'd like the ability to invest in individual stocks of my own choosing (fractional shares is a plus), a diverse option of index funds, and ETFs.Has anyone found a great banking option to have the most flexibility with your HSA investments?

I work closely with one here in CA where I found him working on my investment property's neighbor's house.

I've found this to be super helpful: When someone inquires about the property Thank them and Send them the pre-requirements (Income, credit, no evictions) and ask if they meet them.

I also found a corporate housing solutions or possibly corporate express housing site that seemed quite helpful so I reached out to them as well.

Details can be found at https://www.biggerpockets.com/forums/521/topics/1224992-brew... 

I have found that the "value add" opportunities, with rent increases, renovations, zoning conversions, and other work needed, absolutely do take up more of your time compared to a more turnkey property - even with third party management overseeing the process. 

As for the 10% discount, I’m basing it on the few co-op’s that I’ve found in LA and Orange County.

We are very excited to hear that you have found tremendous value in the RTR Academy!

Also, I had Section 8 tenants and got a bunch of energy upgrades through a state program I found.

You’ve found the property you like, and the numbers seem to work, but it’s more than you can afford or want to pay.