insurance.. also CBIZ Foremost not in PA, for example. also talk to your independent agent.

If you hustle and work hard, you can have those 26 units and be financially independent before 35.

Is this a wake-up call for the independent SFR/MF landlords?

@Todd GroomMy colleagues who chimed in earlier explained that it is not our job to audit/verify everything that our clients claim.

They opened this loan up to independent contractors last Friday, the 10th, and define "payroll" as our commissions/wages.

A local independent mortgage broker will be signed up with a bunch of different wholesale lenders.

I have read numerous books they have published along with many other sources of self-education on real estate and financial Independence.

In addition, thousands of independent retailers have also closed by choice or state mandate.

What do you do if 2-3 years down the road you are audited by the IRS as it's apparent that your withdrawal/loan was not COVID related? 

Here are some things to look for and avoid in a turn key company:Don't allow financing or a finance contingency (it can be a good indication they are selling above market value)Don't allow for your own independent property inspectionAre not realistic with their pro forma's (i.e. they don't include vacancy or maintenance projections or use unrealistically low vacancy factors)Require you to pay for any renovation upfrontSell only in cheap. low end neighborhoodsDon't accurately represent the neighborhood/property classificationDon't have consistent rehab standards for all propertiesDon't provide a scope of work for the propertyCan't provide references of repeat investorsRequire you to close before a tenant is in place