For example, outside of my normal real estate business, about 10 times a year, my husband and I go to ranch sales.

The insurance agent advised me that people suing an LLC normally sues the LLC and LLC members personally by default.LLC means you also have LLC fees, and unless you're a single member, additional tax returns on the state and local levels.

They had a bunch of foreclosures in the early 90's, bought it way below market, sold it when the market returned to normal.

I've closed a few in less than 30 days contract-to-close (after months of showings), but in general it's about 40 days with financing and normal contingencies plus they almost never want to buy the first they see. 

As the more you experience, grow, and learn, you'll have a better understanding of how things work and what ventures may be best suited for your personality and lifestyle preferences.

Anyway, I'm looking for some guidance as to whether this is normal behavior or should I look for another realtor that is going to do a little bit more work.

The policy is normally sold in $1,000,000 increments.

I'm not in a normal real estate market by any means. 

Just use the credit card while sticking with your normal spending habits and pay off the balance each month. 

I think it really important to choose a strategy that fits you and your lifestyle and focus on it.