Luckily, with vacant land, I can get an idea of what the last satellite image shows me, so the physical risk (topography, access, been timbered) I can look at once I have a call back from an interested party.

If they were not damaged by a direct physical loss that is covered under the terms of the policy then there is no claim to submit. 

I paid myself around 75k (no employees, working solo) in 2021 which I realize is a good income but now that I will have a degree I am debating getting out of the physical labor into a different career.

My neighbor is threatening to physically remove them and take me to court.

They do the same thing for physical things like rare metals (gold, silver, etc). 

Which means you need to drive physically farther to find the best comps.

are you partnering/ adding value in a deal before physical investing?

I also practice as a physical therapist in a large medical institution part-time. 

Correct me if I'm wrong, but from what I read in the fine print of my homeowners insurance policy, if anyone is injured on my physical property...even outside of my actual house...the liability portion of my homeowners insurance covers that.

So I'm wondering what's a fair profit split at the refinance point if she has provided all of the cash for material but I've provided all of the physical labor of contractor work.