Diving right in, I am looking for individuals who could use a helping hand on weeknights & weekends.

It would be up to an individual judge to determine if you can give 30 days and refund the money. 

As an I agent I have different lenders who do different things well so I send my clients to them based on each ones individual needs.

I don't think any law requires you to allow more then one ESA per individual. 

I'm ready to be back around like-minded individuals!

It all comes down to risk tolerance and your individual situation.It should go without saying, but insurance companies are profitable, which means in the long run they pay out less than they collect, which means that essentially you are paying them a lot of money, for only a little bit of repairs.The caveat of course is you need enough cash on hand to cover deductibles. 

I’ve never seen a condo without an hoa/coa....it’s part of the basic legal structure.10% down route won’t likely work as you guys would have to buy individually. 

I am interested in learning more about real estate investing/ having discussions with experienced individuals about getting started! 

If you consider an FHA 203K rehab loan, the FHA guidelines will require both you and your wife to be on the loan application.If you decide to purchase as an individual with a conventional loan, then take on the flipping costs out of pocket, then sell for profit, you would be able to not be in an LLC and do it with only one of you. 

I don't deal with Booking.com or an individual website.We were presented with an off-market offer recently for $940,000.