I'd consider Florida because I love that they have tackled the squatter issue except I know insurance prices will creep up in the next few years.

If they are truly a local firm you'll want to vet their experience thoroughly to verify that they have the depth of experience to handle what you're anticipating.

If so, I would love to inquire who you're using for your mixed-use insurance?

Umbrella Insurance: Yes, having umbrella insurance is a good idea.

Just type "LLC asset protection insurance" in this forum's search box, and you will see dozens of threads on this topic. 

Also, the costs in Florida are high, with expenses for insurance and the hurricane risk adding up.

In California, insurance companies are very tough now.

I firmly believe many things in life belong on a spectrum of "Least to Most" rather than thinking of things strictly in terms of black and white, right vs wrong. 

., laundry facilities, pet fees).Fixed Expenses: Include mortgage payments, property taxes, insurance, and property management fees.Variable Expenses: Include repairs, maintenance, utilities, and any unexpected costs.Capital Expenditures: Set aside a portion for future big-ticket items (e.g., roof replacement, appliance upgrades) as a reserve.3.

My situation: I graduated college in May 2024 and started a FT position at a public accounting firm in September.