Did the book provide enough information to get started such as contracts, tax liability information? 

I guess I was looking at this as a low-cost of entry type of property that could provide some cashflow.

Seems like you have some good volume.We use QuickBooks Online exclusively for all of our REI Clients.

So what you have to do is becoming part of that club and provide an amazing experience so that you can charge well above the market rate, irrespective of what the market rate is.

I believed the company had liability because the allegation "should have known" was outside the policy exclusion. 

Depending on your level or preference of analysis, data and their providers are incredibly important and difficult to obtain when it comes to real estate underwriting.

Let me address your questions and provide insight from a lender's perspective:1.

Though USLI, one of the biggest umbrella policy providers, dropped my max coverage to $1M because I had pools.

Firstly, well done for persevering and trying every avenue you thought would get you the data you needed.Most would have caved earlier and handed out there hard earned cash for old, saturated leads/records from the same prominent platforms which dump them pretty much when they receive them from either 1).the same large brokers AFTER the county has listed them on the county website or, 2). from the counties themselves directly AFTER the county has listed them on there own website, or, 3). from data scrapers on Upwork/Fiverr who scrape the data from those same platforms AFTER the counties/brokers sell those platforms the data being scraped by the freelancers.Anyway, rant aside you seem to of made the same mistake i made when I first started branching out away from providing leads to my original couple of clients i got from Upwork who wanted me to scrape data from court records in FL for pre FC leads.Simply, I didn't know where to look for the information I needed in states outside of FL.FL only allows the judicial route to foreclosure so I only needed to know/find/scrape the data from Lis Pendens documents for counties they requested.

Looks like Tim and Ezekiel have provided a bunch already...What are costs associated with snow/harsh winters?