I don't live in the USA so I don't know anything about your liability laws apart from the fact that you guys seem to sue each other on the drop of a hat
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Seriously though, have you thought of dove tailing yourself to a PCYC or YMCA (or renting out their facilities). I've been told it's a pretty good way to get business help and a student base. Also they may provide facilities and equipment you don't possess at home.