Just wanted to provide a different perspective, happy to chat more.

Use a policy's cash value to provide hard money loans to other investors, earning attractive returns while maintaining control over your assets.

Sure, what you do will affect those latter two, but nothing about the realtor.Perhaps with in your setup the lawyer and accountant may need to confer, but the accountant will prepare the return according to whatever income/expenses you provide and whatever legal structure your lawyer puts together for you. 

Plumbing permits shall not be required for minor repairs or replacements of plumbing fixtures provided such repairs or replacements do not disrupt the original water supply, the waste or ventilation system.

This allows me to leverage my time and provide my clients with stellar service. 

@Holly Ross If you're comfortable holding rentals in that price range Memphis would provide opportunities for you.

I see what the successful competition is doing and do that.I provide a great house, great location, great views and great amenities.

Let's not forget the liability piece that STR insurance provides in MUCH higher liability limits for incidents ON your property but also incidents off your property while your guests are staying there (like using a bike).

Providing nice affordable housing is so important!

Before diving into flips and STRs and investing in general, I would sit down and figure out what your skill sets are and where you can provide or bring value.