we are thinking to acquire a 30 or 50 units apartments in the near future, but every where is expensive and does not make sense, is Sacramento or Stockton having those with good cash flow?

They saw what their parents went through, they don't like being tied down, and they will rent for the foreseeable future. 

I will likely be adding umbrella coverage sometime in the near future assuming I can find something at a reasonable rate that will cover all of my activities.

I'm Sharon Gutowski, a possible future real estate investor from St.

This can have longer term DTI implications that impact future mortgages, potentially. - Have the funds lent to you, secured by your primary residence as a private mortgage, and it's no longer a gift.

See link above,  it may help to figure out future taxes.You have to be careful how far out you go with comps in Cleveland, make sure your comps are coming from a small radius, I would go out a half mile - a mile max.  

My brother in DC is wanting to partner with us in a cheaper market in the future, but already owns a few DC rentals.

Either way you’ll probably meet great people in the industry and make friends with amazing agents who will help you in the future.

(Especially if appreciation and rents seem maxed out for the foreseeable future).

In the future, I will definitely request all documents prior to a PSA as you suggested.