My break-even time is ~18 months.3) Move the 9 homes in to an LLC and take out an umbrella/portfolio loan.

If by house, then how to categorize things that apply to both houses like tool purchases or say, an umbrella policy?

@Joe MartellaIn my experience best protection is having GREAT insurance and umbrella policies in place.

Some lawyers will recommend all manner of complicated options when a simple umbrella insurance policy will suffice.

I have $500k personal liability on the rentals and $1mm on personal house.I'm looking at an umbrella for $3 million - - thus far I've been presented "Markel" .  

You can also get an umbrella policy if you feel the underlying policy's liability coverage is not enough.  

How do I structure my equity deals under my llc umbrella?

But, buying an Umbrella Insurance policy can be a better choice.

I do not have an LLC, but I do have umbrella insurance (which will need to be updated).With the upcoming growth, I quickly noticed I need to be more organized, specifically financially.

I've been wholesaling for 5 years and still take advantage of those resources.I would also venture to say that wholesaling is an umbrella topic, made up of gaining expertise in sub-topics including marketing for deals, negotiating, looking for buyers, contracts, and working with title companies.