. $3600 for a septic permit & design about 50k for sitework (very long driveway), though foresters have noted the potential for NRCS funding for road improvement and invasive species management (i.e. clearing the 8-acre area which has blackberry bushes galore) which we are in the very early stages of looking into. 

While specific neighborhood recommendations can vary based on current market conditions, areas close to universities, medical centers, and business districts tend to have strong rental demand.

The program isn't designed for investors and to me there are too many restrictions.

I spent many years in the insurance business and have never heard of a policy application for an excess, or umbrella, policy to be denied because of a claim, especially a property damage claim.

Hey BP, I am deciding on business structures.

Just pulling something from the internet (don't trust everything you see so take this with a grain of salt I'm not a lawyer): "If the building in question isn't officially designated as an SRO or hotel, it is illegal for landlords to rent individual rooms to tenants for a number of reasons, including that it could allow landlords to evade the maximum rent permitted by the Rent Stabilization Law and Code."

For me, a primary activity is something I can do that directly leads to business if not immediately then later.

Has anyone worked with one of these businesses or something similar? 

,Bruce, holding a property for potential appreciation (i.e. not actively generating rental or business income) is a valid tax strategy. 

.—(1) The commission may deny an application for licensure, registration, or permit, or renewal thereof; may place a licensee, registrant, or permittee on probation; may suspend a license, registration, or permit for a period not exceeding 10 years; may revoke a license, registration, or permit; may impose an administrative fine not to exceed $5,000 for each count or separate offense; and may issue a reprimand, and any or all of the foregoing, if it finds that the licensee, registrant, permittee, or applicant:(h) Has shared a commission with, or paid a fee or other compensation to, a person not properly licensed as a broker, broker associate, or sales associate under the laws of this state, for the referral of real estate business, clients, prospects, or customers, or for any one or more of the services set forth in s. 475.01(1)(a).