@Matthew Ruderman If you are bringing in an individual who wants to loan you money for your projects, you give them a good interest rate and point spread that works for both of you.

An income based approach can be part of what an appraiser takes into consideration for value, though the potential income an appraiser might use is a very conservative average based on broad data, not the individual cabin's past performance.  

On the flip side there are literally MILLIONS of individuals who are making it happen.  

Individual investors, yes you and me, who account for most cash sales, purchased 14% of homes in August, a small change from July’s figure of 15% and equal to the August 2019 rate of 14%.

I feel that I'm overpaying buying each policy individually.

A separate license is not required for each individual branch office.

Any advice helps and would love to build connections with other individuals!

@Sean KelleyFannie Mae allows up to 10 properties per individual, so by keeping everything separate, you can have 10 and your wife can have 10 as long as you each qualify separately.Hope that answers your questionStephanie

I require the most recent two month's bank statements and the prior year's tax return from self employed individuals. 

I would argue Investor B should have much higher Liability limits due to the fact that they could be sued by 20 individuals all at once.