Each of these team members will be designing their individual pieces and communicating on the overlapping areas to help ensure your entire project is what you want, it meets code and works well together.

How efficient are using the local real estate associations (ie what % of wholesale deals occur with individual buyers, vs. associations)? 

They are hard to get on phone, long wait times, but will work with you and individualize your posting and agreement to your needs.

I've also got a great surveyor which you'll need, although Bryce has a few he can recommend also.Now I'm trying to refi each of the units individually, as they are all on one mortgage.

I’m a financially conservative individual but maybe I should learn to tolerate some more risk.

When you buy a general toolkit, buy it in a clamshell case with an individual space for every tool.

I would not advise any individual stocks until you have at least $5k to $10k in Index funds.

Due to the CARES Act, the 10% penalty is being "Waved" in 2020 assuming you meet the loose requirements that they have.Any individual who has experienced “adverse financial consequences” because they’ve been quarantined or furloughed, or because their hours at work were cut.Individuals who haven’t been able to work because they’ve had to stay home to take care of their kids.Business owners who have had to slash operating hours or shut down due to the outbreak.Basically the Fed's are printing money at an alarming rate which in turn "devalues" the dollar. 

SHould I change the title to be in my individual name or is there another way? 

The loans could potentially be broken up into 4 individual loans (per property) if the number of units is an issue for traditional lenders.