Hi all, after much back and forth, I finally broke down and bought a Zoom.  I love the drone, but as someone who was hoping to make a little money with it I now realize I should have gone with the Pro.  I have my Part 107 certificate and have tried to get some work for insurance companies.  I am finding that my opportunities are limited because the companies require 20mp images.  So, if you plan on doing commercial work, go with the Pro or a Phantom.