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.

I am making greater allocation to reserves and ensuring I am more resilient and can weather any storms that come (Metaphorically and also Physically living in Louisiana).

Maybe I'm paranoid, but I would never feel comfortable spending hundreds of thousands of dollars without physically putting my feet in that sub market.

I've self-managed my multis for over 10 years and still accept physical checks from some, old school for sure but it works for me and the tenants. 

I am currently a physical therapist and I am planning in the future to do travel physical therapy around the United States.

Otherwise it's just an expensive trophy...with no physical value.4 - Here's the big one. 

What I do not know is if he has physical evidence that I agreed to this.

https://saylordotorg.github.io/text_world-regional-geography-people-places-and-globalization/s07-04-canada.html#:~:text=Physical%20Geography%20of%20Canada,home%20to%20about%2023%20percent.