As a "millennial," I hear a lot about our generation and lack of desire to purchase.I think it comes down to several factors (there is no one-size fits all here):1.

Domestic hot water, and; Electricity adequate for lighting and any mechanical equipment within the home.

Once I have a portfolio of rental property generating 15-20K/ income per month I intend to build a bbq restaurant chain.

I've had a long time focus on helping distressed property owners, which results in generating listings with excellent investor potential.

Fortunately, this means that an upgrade does not need to be a mansion or a dream home.Our current plan is to find a duplex or triplex with the potential to generate a little bit of cash flow in addition to acting as our home.  

Same goes for pets, guests, outdoor equipment, etc.

I'm a computer engineer and I just took a job as a realtor.I'm expected to generate and close leads.

Also do you think it's fair to deduct the cost of the builder's risk policy from the contractor's payment since it will cover all of his equipment as well?

Yep, different opinions generate diversity. 

The LLC can act just like a legal person - it can generate income, pay bills, and move money in and out of bank accounts.