All I am asking is a reference to a bank that has a good web site that will allow me to do all my online transactions and be easy to work with.

As a reference point, a policy for ~$100,000 SFH is $800 annually through Encompass.

But I do refer any EMD request over to a contact of mine who happens to be one of those 20%. 

Are you referring to Josh Stanton, the real estate agent?

I suppose you are referring to origination, right? 

Here is a reference that explains:https://www.nolo.com/legal-encyclopedia/intestate-succession...2.

The renos are usually around 100k when it costs about 5k to buy just for reference, but they come in all shapes and prices.

Are you referring to small MF, or are you interested in a syndication into large MF apartments?

For reference sake, local factory workers and starting teachers make between $41,000 and $60,000 in one of my local communities. 

Evan, looks like maybe what your referring to is that any personal property is classified as sec 1245 so the recapture on that portion is taxed as ordinary income (and rest of property is taxed differently).