I need some sort of protection as I hire them often daily I have another neighbor who is in California and does much less construction than me. 

The biggerpockets.com people paid some lawyers to write up reasonable leases: https://www.biggerpockets.com/landlord-forms I've only looked at the California ones, but that one had not only leases, but common addenda, applications for the tenants, etc, and both PDF and Word docs that allow you to edit if you wish.

In California we had an unpaid garbage bill turn into a court summons which turned into a title insurance claim that was resolved without issue.

Next I would try to find a smaller area within the zip code and then start searching for individual properties.If I can’t find anything in California, I would start looking elsewhere using the same steps.In your opinion, is that a good approach?

I have wholesaled 5 properties in Washington State (King County) this way.

I'm currently located in California and I used First Merchant Bank for an investment purchase in Anderson, Indiana last August.

My wife and I purchased our first home in California in 2012 with a FHA loan at 3.8%.

I live in Ca.

I regularly sell properties in Ohio to those living in California, Colorado or some other state while financing them with a lender who's based out of a 3rd state.

We are also in California which may play a factor.What do other investors do for health insurance?