Personal Mortgage owned by Two Owners

[Amrit Babu]

Hello Bigger Pockets,

So I co-own few investment properties in Austin, TX. I've been going back and forth with putting it on an LLC, and all the bad stuff that comes with it and decided not to. So I'm trying to get a umbrella policy but I'm getting denied because I do not own it myself. Apparently there is some grey area since I own it with someone else. Any company out there that can help with this?