It seems like they are being unprofessional and do not want to.The issue is that depreciation schedules are not given to the IRS when you submit the return.4562 which is used to calculate depreciation is given to the IRS but it does not factor in non-depreciable items such as land. 

What I always suggest for folks who do not like a lot of is to borrow  no more then 60% loan to value.

I would like to briefly explain my situation and want to hear your guy's advice on what i should do and what action i should take in order to maximize my time and investments.

Even the projects that do not have 100% hurricane coverage are dealing with significant increases in their insurance coverage. 

I feel that I am one refi away from doing so but despite decent LTV's on the properties.

It's a good way to get started and learn the ropes without a lot of capital, but you need to make sure youre doing it correctly.

Quote from @Hai Loc: Interesting  How do I learn more? 

We used a HELOC on our primary to purchase and begin renovations on a duplex nearby, and just this month closed on a fourplex that has a couple units rented, and a couple that need full demo/flip (which is now in progress).I'm taking some big swings and really having a blast doing it.

And if the 25% tariff hits canadian lumber, then everything is going to shut down.I'd like to know when this country is going to actually do something to help new construction.

they will be able to give you the best advice as they will have much more information than we do. i believe that in a specific year, passive losses are phased out over $150K as you noted, but they are just suspended.