I toyed with getting a P.O. box,  but decided it was easier to just have the returned mail show up in my mailbox.  

It sounds like you have some cash in the bank and may be able to do that.Ultimately, you need to assess your long term goals, followed by the amount of risk you are willing to / can take, and what your current options are.I also think our market is very unique, and unlike a lot of other major cities in the U.S.

Are there any unique circumstances to be aware of in the Janesville/Beloit market?

And for each state you have to abide by their own unique rules.

They get paid to find solutions and can quickly give you a "No" answer in pre-qualifying you if that is the only outcome; however, they are motivated to find a way to get to "Yes!"

I see out unique advantage to him as being the high level of trust in each other and all 3 of us having a solid financial footing. 

We know what makes Dennis unique and therefore how best to market the town as a destination.

@Anthony Z. the Bay Area is a bit of a unique beast.Chris Mason put it greatly.

We were toying with the idea of going through a wholesaler.

Given my unique schedule my plan is to manage the accounts, and manage the managers for a couple hrs when I get home, Then sleep, wake up, family time, head to work, rinse and repeat.