Insurance wise, you typically need to buy property related insurance through whatever entity that owns it.

It might be wise to throw in a townhome, single family or new build here and there to diversify your portfolio.

I have the sellers financial information, rent roll, expenses etc.With this being a new season of investing into apartments for me, I want to make sure $20k non-refundable earnest money from day 1 of the effective date is a wise move.I know as the due diligence process moves forward, the asking price is always negotiable, at the same time, with the seller already showing she's a firm negotiator, I would hate to lose $20k because she don't want to budge on price when the lender and/or bullcrap turns up during due diligence.

@Bryan Feltman There is no downside unless you can't afford the yearly license/board fees and other fees that come along with being an agent which should be a drop in the bucket if you are doing deals.Another way to look at it is if these fees are to much for you cost wise than you probably aren't in a good enough financial position to invest anyway. 

@James Wise @Justin Windham @May Emery @Darren Lenick

Business matter wise I would speak with your or a CPA and or Financial Advisor as they will be better help. 

@James Wise Which I understand is a gamble. will probably just wait on a 3-4 unit and house hack with the Va loan when the right deal comes up.

@James Wise - On a “typical” situation, I would agree with you.

If you are buying pretty houses, and looking for appreciation, maybe this isn't a wise move (unless you really get it cheap). 

@James Wise Thanks for the info!