The amount of liability coverage would optimally be equal to the your assets plus 5 years of income to properly protect you financially in the event of a severe judgement against you.If you need any help or would like broker recommendations, I am happy to assist!

Optimizing at each point you can is a secret to maximize your profits. 

I am concerned about tax benefits for her and myself being optimized.2.

You've accidentally discovered what is optimal to do if you plan to scale.Most times the one of us not on the loan can't be on the deed. 

Are there any builder websites that might show a # of different property builds that might be optimized for something like owner occupied or tiny multi-family/duplex?

Not an optimal situation in a place that may be un-rentable where the property is only worth 50k.

@Ed Zhao there is the cap you buy it at and then the stabilized cap that you achieve by optimizing the use of the property. 

I must say that she has been way better than my first 2 PMs it's just this one small thing that has come up that's annoying bc it's their job to care for my property and optimize income...

LOLGreat partnerships optimize each other's tax positions.

Should title of property purchased cash go in one or both names to limit liability and also to optimize our ability to qualify for lending in future using the cashflow?