You want an accountant who can help you strategize and who is responsive when you want to know the consequences of the financial decisions you are making throughout the year.Good luck.

Or push through working another 4-5 years to make sure you were "safe"?

@Miranda LeMaster If your agent can not offer you a good commercial option, then you are working with a personal lines agent and you may want to think about making a change sooner than later.Ideally you want to have 2 separate insurance programs.  1 for your personal and 1 for you business/commercial exposures.  

I would definitely look into the laws of your state to make sure you aren't running afoul of the law.

Anything is possible, but being successful as an agent under 30 is incredibly hard, because clients usually don't pick agents that are much younger than they are.Always sail with the wind, it is easier.Getting into sales at a young age is a great idea, but I think you'll find it much easier (and make more money) doing something where your age is not in your way like flipping couches, washing driveways or selling lawn services.

Have a legal advisor or counsel review your documents before signing.These will make your ultimate exit strategy, post Hard Money financing period, much easier when: - preparing & submitting paperwork for individual tax returns - maintaining the note in good stating with consistent payments & digital payment history paper trail - digital and/or easy access to documentation - preparing for a Re-Fi, Conventional financing, payoff, or even Flip/Sale & deed/title reconveyance to remove the Hard Money Lein holider at the end of the note's term

Also, a loan to pay off the delinquent property taxes and make needed repairs. 

They may advise that you submit a claim to the Insurance company for the Association and make them state why the damage from the leak is not covered. 

If the software is not simplifying your life or making you more accurate, you shouldn't use it.

Just check local guidelines as to what makes it a legal bedroom (typically a heat source, window you can escape out of, and a closet).