HAVING TROUBLE FINDING A REASONABLE UMBRELLA POLICY AS I OWN 19 RENTALS.GEICO ETC SAID THEY ALLOW ONLY THOSE WITH A FEW RENTALS.

It needs a roof, electrical, and a few other small items and I don't think my traditional agent will bind coverage from what everyone is telling me.

I actually plan to live here for a while and look into doing either turnkey or local BRRRR investing depending on the deals I'm able to do to get the supplemental cash flow for future deals. 

You just have to make sure that your property is rented and meets the 1.2 debt service coverage ratio with the rental income it brings before you apply for the refi.I am assuming you are planning to buy with your own cash or some form of short term private financing.

I found a agent (who wasn't investor friendly), they gave me a lender (who was terrible), who gave me a title company (who messed up the closing continuously), and finally the insurance person (who gave me too low of coverage).

Look at is probability of sustaining a loss that exceeds the levels of coverage.  

Any questions regarding DP3 policies for rentals or other coverage types happy to offer any help I can. 

If you bought the property from the trustee you'd likely get a bargain and sale deed, get your title coverage and then no, I don't see how old unrecorded qcds would have any effect on you at all.Figuring out the other liens and who's foreclosing would help you understand a bit more what's going on.Not an attorney.

my lender is asking for the full loan amount to be the "Dwelling Coverage" ?  

If there is coverage for all three loans.