(You’re protecting equity/your net worth, if you don’t have anything you don’t need an umbrella.)I used USLI for a long time but they changed their standards a couple years ago and wouldn’t offer more than $1-2m if any property had a pool.

DSCR lenders will close in an entity, allowing more protection for you, and the industry has become super competitive compared to conventional.

I guess, all the trust issues and emotional instability could be settled with extra deal protection. 

However states can make laws which EXCEED the protections offered by a federal law because by exceeding those protections the state and federal law are not in conflict.

It's generally coinsidered that you don't need an LLC until/unless you have many properties.The advantages you may hear about - liability protection and tax savings - do not really exist.

However, this type of offering while least costly and fastest has some big disadvantages, mainly (1) provides the sponsor with almost no protection from being sued by disgruntled investors and (2) investors with any savvy will only invest in offerings where the offering is compliant with Reg D.Reg D is a “safe harbor” requiring the offering to be FILED, not REGISTERED with the SEC.  

Sure they add an extra level of protection but in reality how much more than having excellent insurance coverage?

You get the benefit of 2 years+ of appreciation, tax free gains, protect yourself from buying in a crappy neighborhood because it looks good on paper - you're going to live there...the best test for a good investment location is if it is a desirable place to live - and your risk of running out of cash is lower because you can take your time.

I want to protect it but do not know how best to go about it.

Because I have cash to close; because I ALWAYS protect their commission/fee, and because I alway do what I say.To earn the kind of numbers the OP is anticipating takes ALL of the following1.