The primary determinant (beyond the tax implications) is whether the lender will underwrite and permit the borrower to close in a company or require the individuals to be reflected on title. 

With the rate of inflation compared to savings rates, you're basically paying the bank to park your money there.Everyone's risk tolerance and definitions of a decent emergency fund is different though.

From there every 20 point increment affect pricing differently.

I make money in different ways and my personal taxable income was about $150k in 2022 ($30k of that was W-2) and 290k in 2023 (150k of that was W2s).

I've been told that the law requires insurance companies to give  90 days written notice of non-renewal, but if I never received it by US mail from them, do I have a good case that they are out of compliance with that law and need to allow me to switch agents and renew?

I am working with a great company that is assisting me in investing remotely.  

All the loans are in different LLCs.

I'd like a mgt company to run it, but not sure about that point yet. 

@Leslie Beia As @Travis Biziorek stated, flipping in Detroit is a bit different then many other areas of the country - but, that means there's plenty of opportunitues!

You may want to opt for a different loan product other than FHA.