Area has mix of older retail strips, motels, banks, gas stations, some QSR, a few independent restaurants, services (barber shops, etc.), and retail, warehouses, factories, and a business incubator for entrepreneurs. 

How do I go about making this a great tool to lead to financial independence?

The third-party appraisal came in at $110,000 so regardless of if you "know" the property is "worth 120-140ish" , we can not lend based on your opinion and must utilize an independent-third party value. 

That is why I'm trying to buy in the area that regulations are relatively less strict, like independence, raytown, grandview, and try to buy single families or townhouses, where you bave no HOA at all or HOA allows short-term rental.

Acres Homes, Independence Heights, East River and Sunnyside all have a concentration of new duplexes. 

I enjoy using Obie as an independent agent but the owner usage might not fit their guidelines in this case.

Can I get an independent umbrella policy through a different company?

Like all income related to real estate sales, the payment is from broker to broker, and disseminated to the licensee under the terms of their independent contractor agreement. 

Independent or "separable" economic interest - basically, is the refinance for a legitimate purpose other than avoiding taxes. 2. 

One could also base it on an independent appraisers report or other basis that can be reasonably justified.