They do have a property management function that maybe could assist with this?

This will allow you to put the loan into the entity or business name of your choosing.

I am generally curious as to why you would choose to do this? 

I have a lot of colleagues with multis in Philly and all are doing well because of low taxes and high reliability, but it has its challenges.

The same money could buy 1-2 full properties that would rent for more, depending on the market you choose. 

They/you can't choose the carrier - their software assigns it.Fortegra is one of the carriers (paper in insurance parlance) that their product is written on.That said, Fortegra is A- rated I believe by AM Best so that isn't the issue.I'm going to take a guess and say that your umbrella is written with PersonalUmbrella.com (Markel) and they require all underlying insurance to be A-rated but also with an admitted carrier. 

For property management, choose a company with a good track record in STRs and transparent fees.Happy to connect with anyone looking to share insights!

There was a time when I had multi-family FOMO.

Actually I talked to 6 different multi family mastermind groups.

Businesses with tons of cash: bars, check cashing, payday lenders, casinos, car washes, vending etc.Then the return's contents are analyzed using the Discriminate Function standards.