Colleges require a certain score on SATs before letting you spend tens of thousands attending.  

It just takes one of those investors (or one crappy state, like PA) to ruin the deal for everyone. 

Personally, I'm happy to pay a few thousand upfront to avoid a potential lawsuit and mitigate losses.

Regardless of the company, be ready to spend thousands of dollars annually on the major data providers. 

I can also simply pay a small up front 'advisory' fee to setup the SD401(k) versus having to pay various fees that can total a couple thousand dollars per year.

Matt, thanks for the input, interesting perspective, I agree the jobs will not be tech or require very high skill set, I think it will certainly help either lift or be the catalyst that can lift the surrounding area - at the end of the day its new jobs, specifically several thousand jobs.

You should have homeowners, auto, landlord, policies in place, each with a few hundred thousand $$ in liability coverage. 

If we want to support small home equity loans, worth $50k-$150k each, as is the plan, and our commission is something like 5-6%, then we have just single-digit thousands to work with as revenue.

It's affordable and can save you thousands down the road $$.What if a major issue pops up 3 months from now?

The risk is a couple months of rent vs regular insurance which covers loss of the house or lawsuits both of which could be hundreds of thousands of dollars or more depending on the situation.