NC State Employees Credit Union30 yr MTG with 5% dp as owner-occupied.

I am a full time federal employee, who works 40hrs a week, no more.

So you can make a real estate purchase worth as little as $1 with an account balance of $10,000,000, if it is determined it is a prohibited transactions, your entire account is considered to be distributed and you will have to pay taxes on the entire $10,000,000 plus any penalties.https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-prohibited-transactions

Fire an employee who was caught stealing.

However, the only way to spread out the work load is bring on more employees and employees cost $$$. 

You are either a partner or employee, you all need to decide which and pay accordingly.

We've got 60+ employees running several businesses so we've got a lot of insurance.

A lot. some quick math $1,000 per door which varies by area at 10% a month (which you won't be paying if you have enough units to be considering a full time employee) = $100/ month so to get to a salary where you might get a reasonable PM you are probably looking at a minimum of 40 probably more and that is if you don't want to provide benefits and all your units are in the same place. 

Look for places with low unemployment and diversity in their employee base.

Imagine you have employees.