How much cash on hand to start this business

$350k

Duh

$3,500,000

Knowing what type of business would be a start.

For a reasonable fee I can give you an in depth break down or what you’re looking for.

What are your revenue projections for each operation? Costs are important for a startup, but we'd need to know the nature of the costs (i.e. which costs are fixed/variable, how long a horizon each cost entails, what revenue source will support each cost, etc).

More important than your startup costs is knowing your estimated revenue and net income from each operation(s) to allocate to each cost you anticipate. Without both sides of the equation, you cannot expect an outsider to discern how to analyze the business accurately or completely.

With estimated revenue and net income, allocated by operation(s), it would be much easier to compare the expected revenue and net income to your short & long term costs of operating the business and determine whether the business is viable and how to operate most efficiently as you grow from startup to a more mature business.

Without knowing your revenue, your (long-term) fixed costs for land & building seem high for a startup with only an anticipated payroll of $100,000. Again, guessing at your revenue based on payroll and not knowing the free cash flow you expect monthly & annually makes this analysis incomplete/difficult.

Seems like renting a space may be a more efficient short term solution as you grow for operating a business that deals with relatively short term transactions (repairing cars, storing cars held for sale) before you incur significant long term fixed costs.

Also, your insurance costs will be significant. Garage keepers legal liability will entail your operating tow trucks, storing others' towed cars, your mechanic/repair operations, plus holding ~$200,000 of additional inventory for sale. Workers compensation costs for your employees will also be substantial. However, there may be a state dealers professional association that has customized insurance programs for association members. I used to insure a few towing/recovery operations that did repossessions, I am sure you know it is a competitive business with tough people and lots of risk.

Best of luck, this should be an interesting thread.