It's a commercial policy so I pay a little extra but vey much worth the expense.

From my observations, a degree may not equate exactly to a career in real estate.

(I assume you won’t find a 1 hour a day type person.

You have to have a STR insurance policy.Aircover is not a STR policy.

I want $140k cash flow a year!

I would even suggest a Primary home or Vacation home to pull the cash out of versus trying to find a lender who will agree to be in 2nd lien position behind a investment property.

If you want a legitimate preapproval then you should be doing a tri-merge "hard" pull.  

I’m considering buying a plot of land in the Cleveland area and getting a manufactured home (duplex if I could find the right zoning) put onto a permanent foundation to use as a long term rental. 

. $500K gets you a 1969 split foyer in a decent neighborhood in my area .

...and don't forget to collect a W9 right away and a copy of their insurance!