I have a great job that I love and currently do not need to spend the cash flow from the properties. 

Also, would I need an umbrella policy if I go with commercial grade policy?  

Tried it years ago when we starting managing MTRs and had zero inquiries or bookings from them.

This is what I do with my properties and I save a ton.

We do them here in Phoenix market.

They've gone as far as writing algorithms that pull data points like crime rates, age, median income, number of coffee shops and hundreds of others to create heat maps of where to buy.  

If NY is where you decide to be I would strongly recommend connecting with @Mohammed Rahman he is who I would use. 

I know the larger companies around here were charging up to 25% but it will probably vary no matter where you are at.  

I'm going to start writing weekly logs of my journey as a landlord - successes and mistakes.

When a lawsuit is started, there is something called the complaint.