Through this, we find that what we want doesn't require tons of $$$.

I'd still venture your online ads might be more beneficial, but NOT having physical signs means you're not getting the foot traffic. 

So, I also require that :Monthly Rent + Monthly Debt Payments <= Gross MONTHLY Rent * 45%This is similar to how mortgage qualifications work by considering the applicants' debt loan along with their housing cost in relation to their income.

We have emails, video conferences, secure portals etc etc.We do have a physical office, and half of our clients are local.

It doesn't add layers of physical damage coverage or cover things that wouldn't otherwise be covered.

So this requires some upfront planning. 

Being in NY maybe something to do with physical document transportation?

Which governing body determines these requirements?

But, they still require time and effort.

Do we focus on flipping, (currently we have actually been trying to do this, but we physically can't find enough contractors in our smaller market <100K population to do that much work).