I'm trying to make a decision between a landlord policy or an umbrella policy and I'm leaning towards landlord policy.

I'm trying to make a decision between a landlord policy or an umbrella policy and I'm leaning towards landlord policy.

I like all of my money working so this is the strategy that I am comfortable with, but you should always talk to a professional before making a decision.

@Fili Aguirre No one applicant is perfect, one has to give points to a strong rental history, with the mid-range credit score with a middling LL recommendation, against the applicant with low credit score (bad decisions a few years ago) but who now has a solid employer but who's missed a car payment.

I am a full time investor and I look at my return on investment and passivity together before making a decision. 

Is there number or two that are key "decision makers" on a deal? 

Either strategy, build to rent or build to sell.. and why you make one decision over another ?

I then tried to put in the contract that if the property doesn’t appraise for 315 then we can discuss and make a decision on how to move forward from there.

I then tried to put in the contract that if the property doesn’t appraise for 315 then we can discuss and make a decision on how to move forward from there.

Three months later, I regretted the decision because someone dinged my door and I realized I could have had the same tax benefits with a used vehicle for half the price.Long story short, I think you should continue sacrificing until you've reached your goal.