Happy to address any additional questions! 

My issue is finding it hard to believe someone's be it realtor or PM word oh how they can help and etc. 2) Realtors - I mean based on my few interactions, they all seem to be enthusiastic and stuff but when you jump on call it's like YES and NO answers and pretty much. 

Yeah I want to expand my portfolio to more non-STRs but want to know if I reach the hour requirements in my non-STR portfolio, would being self employed, paying myself a W2 salary (but most of my income is from shareholder distributions be an issue? 

@Ray Williams E&O doesn't cover slip & fall liability issues at YOUR rental.Doubt their commercial policy covers anything but slip & falls at THEIR office.So, they should want you to add them as additionally insured, so your insurance covers them for a slip & fall at YOUR rental.

There are cheaper one’s in D/F areas but I would be careful as those can create a laundry list of additional issues.

LOL  Do homeowners who get work done have that many issues, too?

When you are investing in these lower income markets, you may have more issues with "cash paying" vs subsidized.

That would mean that every other lender has already missed it...which might be possible I guess.Hope that makes a little more sense as to what the issue is.

You will have a higher risk running into DTI issue that route as well.

The issue and opportunity for us is that in the past Belize government had problems with the contractors getting paid and not finishing.