If you're going the umbrella insurance route, perhaps see if it will cover you for several things including just the routine slip and fall (like mold or earthquake).

Magistrate Judge Aileen Goldman Durrett on December 4, 2024.According to information presented in court, beginning in 2017, Espinosa, Smith, and Baltazar, along with others, are alleged to have operated a mortgage fraud scheme using various companies, including Short Sale Queen, L.L.C.

It does not include the rent income, just the appreciation, it is about 11%. 

When considering 'break-even,' cash flow is included...it's the overall ROI that the property generated for you during your ownership.  

Also many other Counties in non-covered States also include it. 

There may be something called a "Due On Sale" clause.Check and see if all tax parcels are included in one mortgage or if they have separate mortgages.You have to have him spell out what he considers to be a "partial seller financing".

Proper underwriting - this includes an appraisal, loan app and full underwriting to comply with CFPB regulations.2.

Lenders often include a portion of the cash flow in the investment property as income to you personally to offset the DTI. 

Alternatively, if you’re using QuickBooks Online with a plan that includes the "Payments" feature, you can collect rent directly through QuickBooks while staying on top of your bookkeeping

It should detail any liens or subordinate agreements, including the unpaid balance.