I can't name a single state that requires the disclosure of insurance claims.

Our rates are 7-12%, with no down payment required.

Does anyone have recommendations for a contractor for an almost full gut property in Rochester NY?

Lending capacity should only matter to those with large borrowing needs and require large legal lending limits but that wouldn't apply to hard money lenders anyway.

What kind of seasoning is generally required as it relates to the rents/revenue as it relates to servicing the note, etc...I currently own one PadSplit (acquired via Subject-to) that has been up just over a month.

I'm not sure if they still have the 2 year requirement on income if it's going to be your primary residence.

I don't personally have an umbrella policy but if you do want to be extra safe, yes, I would recommend an LLC and umbrella policy together. 

For example, a property in San Diego may lose $500 per month ($6,000 per year) but gain $60,000 per year in value, making it worthwhile to "lose" money each month in exchange for long-term gains.I recommend you start with BiggerPockets Ultimate Beginners Guide (free).

Hi All - When selling a property with the intention of immediately buying another building via a 1031 exchange, can anyone recommend strategies for removing or at least lessening the risk of running out of time to meet the 1031 deadlines?

Once you hit a certain number of loans (check with your state dept of banking and finance or dept of business regulation), they might require you to have a license.