If you are an individual that had a property loss (including personal property) then use the first link for FEMA.The second link is for business owners…and yes, this includes those of us that have rental properties.

I just don't like the idea of letting this amount sit in the bank and at the same time I don't want to mingle it with personal brokerage account.Any suggestions or creative ideas?

My biggest pain point has been not knowing all the little things that could have helped me out if I put them in the lease that would have helped me snip some of my problems in the butt and for context I am a roockie with only one rental property Tenants will not move in with out all utilities in their name When tenants move out they will sign a move out form for all damages if any over a reasonable amount Tenant will not hang fie traps out side of home those are just personal examples of some of my issues with my one tenant so what would be really help full is some of the little things that you dont even know that you dont know 

I would personally encourage you to use debt if you are looking to wait 3 years to get started though.

Next to 0 unless it is coming from a personal contact or a HELOC or something like that. 

If you can find a partner with the capital and/or lack of time, you can become that go to person on the team to make sure you are making solid decisions on the buy side, especially if your partners are out of state. 

We run in-person meetups in Northern New Jersey on the first WED of every month, but in July it's the second WED in Morristown.

I personally won't be doing them here in MD, but some people specialize in acquiring those types of properties and I would strongly suggest you to attend local meet ups and try to speak with someone who had done it successfully and never got burned.

This would allow you to secure funds without placing a lien on the new property.Personal Loan:Investigate personal loans from banks or online lenders.

If you are thinking of creating a secondary market of some sort, you'd be the third person in the last 5 years that I've talked to and answered this exact question.