That just seems like a fundamentally broken system.

Thomas,As several other posts have mentioned, a property claims should not logically impact the eligibility for Umbrella coverage. 

My credit score is over 800, I think that they knew/should have known, Card #1 would not be eligible for an increase.

I think the biggest thing you have going for you right now is that you have VA eligibility and there are a ton of homes on the market who are looking for an eligible VA buyer.  

I think assuming growth is linear is also a fundamental flaw in valuation.

Either of these set ups would be eligible as long as no w2 except you and a spouse.  

Although these items are eligible for tax deductions, I overlooked this aspect when filing my taxes last year.Now that it's 2024, I'm wondering if it's possible to file an amended return to potentially recoup some money from the IRS.

I plan to do cost seg study and get bonus depreciation (and will actively participate as per IRS rules) but need to confirm if this would still work if buy STR under LLC and I can still be eligible for that STR loophole?

DSCR is primarily used if you've capped your 10 eligible government backed loans. 

Remember fundamentals like choosing a desirable market and keeping some money in a highly liquid option as reserves like a high interest savings account that should be about 4-5% currently.