I'm New to real estate investing and we are looking to buy our first investment property in the coming months/year.

There’s likely a carrier that’s most aggressive in the city where your 4 unit is located and comparing your premium to that of similar properties  nearby will be the most accurate assessment and point you in the direction of the most aggressive carrier.

My spouse and I have bought and sold over 20 properties in the Atlanta area over the past 35 years.

So if he is ownership, then he needs to be on.What you probably should have done is created your own LLC and have a joint venture agreement for each property/project.

My rental property is in Los Angeles county.

The loan approval is based on the property’s rental income covering the mortgage—making it easier for investors without traditional income streams to qualify.LLC Protection: Many DSCR lenders allow you to hold the property in an LLC.

He goes to forums, meetings, markets to leads HEAVILY, studies like crazy, and more.

There is an active Facebook Group and meet up called "CR Area RE Investor Meetup".Good Luck on your investment journey!

I have a rental home and another person wants to invest $100k and become tic and share in costs profits etc when I receive this money does the irs consider it a sale of the property and taxable or an investment and n’ont taxable?

Depends on the specifics of the property.