We're talking with someone who may be coming into our company's leadership that will require health coverage.

Most people suggest finding an independent agent who can shop multiple carriers as the best option and that is a good idea also but know that some Indy agent's don't want investor business so I'll say it simply Indy's are great but not all Indy's want your business. 

It’s probably a better deal to buy an umbrella policy and lower the building liability to 300 or $500k (whichever is required by the umbrella company).You are more likely to hurt someone personally than your building is. 

GHAR (Greater Harrisburg Association of Realtors) Membership feeI contacted my current broker to see if I could cut out the Realtor association fee but the response I got was that if a broker is "REALTOR associated" (most franchised brokers are), then you are required to be a member of a Realtor association.  

And maybe that requires a new type of status in our system like "in suspense".

Text and phone calls should be reserved for emergency communication that requires an immediate response.

In my brand-new stage I simply hope to find a cash-flowing deal and learn from there.

I have looked online but it seems kinda fuzzy and the idea seems great but my understanding is that doing a syndication requires a lot of capital to meet the proper SEC requirements.

In general, a refinance requires documents proving the income of the borrower such as paystubs and W2s, as well as an appraisal of the property. 

I think duplexes require 5% down.