I loved the way you outlined the beginning of your investing career.  

.- Create an LLC - Finalize my business to plan to present to potential investors and outline how I believe the future business will be successful - Set up a team.

Should any party, body, entity, or inspector require additional work to be completed or different materials to be used after this contract has been signed, it shall be considered extra work and Owner and Universal Property Management shall agree upon a price to complete per the specifications outlined by the former.

What you've outlined is the exact course of action I am taking.I'm currently working through the pre-licensing course in MA (cost $300) and building a list of brokers/agents in my area who appear to invest themselves.

If I qualify for a regular mortgage of 800k (based on my income credit score etc.) but the property I want to purchase is 4 million and I can put together a business plan that outlines the finances and cashflow will easily pay the 4 million mortgages.

This book in Chapter 9 outlines this guys top real estate principles.  

It is still a tiny percentage, but at least I get $10.00 for every $1000 and not $0.10 like I did in Chase Savings :)What I like about Discover is that I can have multiple accounts under one user-name and that allows me to nickname them with the categories I save for (outlined briefly in the first post above) and the transfers are super easy to execute.Keeping your money in investments sounds good, I think these savings accounts are just for being 'responsible' and saving for an emergency.

How long can you go without a paycheck, living a decent life like @JD Martin outlines?

While we're on this subject, what about every other CAPEX expense outlined in the Book on Rental Property Investing?

You can share that but YOU REFUSE to do so.What really happened with my claim is outlined in this thread above but here's a summary:1) I made a claim.2) Your company took an unreasonably long time to investigate the claim.3) Your company suppressed and he hid the insurance adjuster report.4) Your company denied the claim.5) Your company was nonresponsive.6) Your company finally provided the insurance adjuster's report after getting a long letter from our legal team.7) Other people reached out to me saying that your company denied their claims too.8) The Arizona Department of Insurance told me you didn't have any other complaints in their state at the moment so they put my complaint in the file. 9) I was told that your is being sued by another one of your clients for denying claims in Arizona but I guess they didn't file a complaint with the Department of Insurance... yet.10) In retaliation, that is subject to punitive damages, according to our attorney, your company canceled all of my policies.11) Your company continues to try and explain away the insurance bad faith issue and hide behind saying your claims history is proprietary when nothing could be further from the truth.12) I reached out to your company several times suggesting that we discuss the issue but was told there's nothing to talk about.