., capital gains are counted as ordinary income 😭) that you could broaden the field significantly if you'd be willing to consider them and forego face-to-face sit-downs, but that's up to you of course.Looking online for the continuing education track, it looks like the acronym is CPE (continuing professional education) and the "Rhode Island Board of Accountancy accepts courses from providers that are members of NASBA's National Registry of CPE Sponsors and the Quality Assurance Service".

I would prefer to make up the down payment of friends and family and debt for the rest.

Or would a DST earn more but considering tradeoffs you still prefer the index funds? 

I want to know what YOU would prefer?

In addition, we have a general contractor who preferred an equity stake in lieu of fees.

What also caught me off guard is you being more concerned about his mail preferences than his recent eviction which would have been a hard pass for most on here. 

Preferably in SW Florida.The property is in Florida so I believe I can have the case filed here?

In addition, we have a general contractor who preferred an equity stake in lieu of fees.

However, we prefer no agents. 

It depends on the bank you are using, most of them prefer long term income (which is more reliable to them and safer) but if you can show proof of income history being used as short term that might help too.