They dive deeper into niche services by providing in-depth analysis from a high-level and experienced point of view.I see your biggest obstacles as a lack of experience and background as investors and the perception that these are services your wife should already be offering as the licensed agent.Given those obstacles, what differentiates your service? 

The majority of investors have utilized low down payment conventional mortgages, or DSCR loans and the majority were able to secure seller concessions between 1-3%. 

Where I live, the Landlord has to provide at least three comparable rentals to justify the rent rate. 

please share any info on insurance companies that provide umbrella insurance for liability protection .

Cash on cash is pitiful, but it’s 8.5% loan which will look good when I refinance at 6% or so.

Its not like ill be using Heloc the entirety of the loan. 

geGet qualified for a loan.

Get into the property with cash and refinance on the back end with a commercial loan that doesn't require a 12-18 month seasoning period.

I utilized (and maxed out) my credit cards to afford the materials necessary to renovate the apartments (I know bad move) therefore I cannot acquire a loan of any sort to fund the initial funds necessary to acquire a hard money or DSCR or rehab loan.

The loan insurance company seems legit.