Need Legal Advice!.

[Andrea Vranken]

I am a fairly experienced real estate owner buying and holding properties for rental income and I am actively involved in the day-to-day management. These properties are in New Jersey, Virginia, and Florida. Titles are held in individual LLCs but I am still legally required to guarantee their mortgages. 

How can I structure my business to reduce exposure to lawsuits?  

Because of the number of mortgages limiting my ability to continue to borrow funds, how can I structure the business so I am able to obtain financing for other purchases?. 

In addition, I am also looking for a good insurance company to purchase an umbrella policy. My current provider excluded some of the rental units in my portfolio.

Thank you in advance. Any help is greatly appreciated!