The condensed issue centers around decoupling of agent commissions, or no longer allowing seller's to pay the buyer's broker. 

It can significantly reduce or even eliminate your living expenses, allowing you to save more towards your next investment.

However, I am struggling to figure out how to raise my credit rating to find a lender that would allow me to refinance the beach house so that I can pull out money to pay off credit card debt.  

Since you are describing the property as a large single family home, I am concerned you may not be allowed to operate the property as you wish. 

This person would essentially be instrumental in putting the entire deal together.Given the significant role this individual would play, I'm curious about how their involvement is typically reflected in the closing documents, if at all.

Not to mention the GL is usually only about 15% of your overall insurance cost.I'd suggest asking your lender to put into writing what is the maximum risk they will allow you to take and then give those guidelines to your broker and see if they can improve on your current program.

They have the lowest rates we can find and since they are 30 year fixed...they allow us to cash flow better...which helps us qualify for other loans later.

If the zoning allows it and if the area suits it you can try looking into an RV park!

It allowed him to keep him and his guys busy during the slow winter season and probably to have work to do during other periods of bad weather.

For individual properties, I like Navy Federal due to the long draw period of 20 years and a long repayment period of 20 years.