Maybe consider an HSA for the next year.Hire your wife, kids and other relatives.

You just need to have certain minimum underlying requirements per policy exposure.I do agree that having $1 million in underlying coverage is not a sufficient reason to not consider an umbrella policy. 

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is expected to be higher, you may consider an umbrella insurance policy.

Maybe consider an outdoor spa pool as an amenity.

Beofre I consider an unsecured loan, I would love to hear if anyone on the site has any stories good or bad to share.

Additionally, you might want to consider an FHA loan for the duplex if you plan to live in one unit, as it requires a lower down payment and could still allow for a good return on investment.

Let's consider an example.

Consider an Installment Sale: By structuring the sale to receive payments over multiple years, you can spread the capital gains tax liability over time, potentially keeping you in a lower tax bracket each year.11.

Insurance would cover it, I would pay the deductible, and no assets would be lost.If you are in an area like San Diego where people are more likely to sue, a judge is more likely to find you guilty, and the payout is expected to be higher, you may consider an umbrella insurance policy.

Consider an Installment Sale: By structuring the sale to receive payments over multiple years, you can spread the capital gains tax liability over time, potentially keeping you in a lower tax bracket each year.11.