I have landlord policies for my rental properties in TX and AL states, but I am not able to get an umbrella policy form my current insurance company, because I do not have car insurance and primary residence in US, as I am not a resident in US.

I would suggest taking the route of option 2 or 3, so not only are you saving over 10k in rent per year but the residents help in paying down the debt.

I currently own a 3/2 ranch home with about 100k in equity and have 100k in liquidity.

The funds used to pay off the residence loan should be used to buy income property.   

neither is a primary residence and most of us have those too.  

So I’ve read that unbrella insurance providers require you to use them for car and home. I am a land lord but don’t own my residence.What are my options?

It has shown nice equity growth although the cash flow is relatively low.

As with most people starting out - having the 20%-30% equity to put in the deal is the challenge. 

What exactly are you looking to pay off on your primary residence?

Residency StatusWhile stationed in Germany, you qualify as a resident, which makes securing a mortgage easier.Even if you're not a resident, many German banks will lend to non-German citizens who can demonstrate financial stability.2.