I also want to open up the wall between the kitchen and living room which is a load bearing wall and is my largest concern for permits and time for the job.The back house is a similiar issue but is a 1 bed 1 bath with an extra room (no closet so not considered a room).

I managed a dozen properties just fine but the reasons I use PM’s..They have a list of repairmen who will work on their repairs first, regardless of demand, will give them quantity discounts, and want to make their largest customer happy. 99% of the time it will be fixed the day it breaks. 

The valuation and market value of a multi family property differs from a single family and you want someone that understands the distinctions if you go that route.

Even if Huntington were to fail, your issue would be a few days where you could not access the funds as the Fed sold Huntington off to another bank like Chase or BofA.If we all move our dollars to the 6 largest banks that are "too big to fail", (and therefore too big to regulate), we will not have a healthy banking system.The banks that are currently having difficulties have been poorly run and/or overly focused in a specific niche with a high percentage of accounts over the $250K FDIC cap.  

Quote from @Nick Barlow: @Andrew Hogan because the ultra rich consistently have spare cash as an asset, meanwhile on BP there is one post per week inquiring how to “invest cash reserves” …ya know, those holdings for short term emergencies where the timeline for compounding is comically irrelevant…for the best returns.The ultra rich also aren’t W2 wage slaves, and as others have mentioned, focus on preserving assets, because they already have the scale needed to be FI.It’s a great point you’re making, thanks for posting  @Nick Barlow, it's crazy how Apple, Google, Amazon, and the other largest companies in the world all have massive amounts of cash reserves but find ways to invest and grow with OPM "other people's money"

PCB and Destin are two distinctly different areas, and I'm not sure which market you'd like to focus on. 

I also am a real estate investor, both residential and commercial. real estate is our largest class of business we write.

I worked on Blackstone's acquisition of Gramercy, one of the largest industrial REITS and underwrote 95 industrial assets as part of the transaction.

There are some distinct differences among the areas that could sway your decision.The northernmost section of the OBX runs from Nags Head to the Virginia border.

This distinction may affect how you report these expenses on your tax return.