I’m curious to hear from private real estate investors who’ve faced unexpected insurance claims and were protected by an umbrella insurance policy.We often see discussions whether investors should use an LLC or an umbrella insurance policy.

I am not a tax adviser and barely graduated high school so I am not sure if I would listne to me. 

The part where the kangaroo's arms fly up right after taking a punch to the face and that WTF expression never fail to make me laugh.

Are there any other Travel PT’s or people that have faced a similar problem like this before?

I also have several clients that I've never seen face to face.

My best advice is to meet your lenders face-to-face at real estate clubs, conferences, or other professional events.

@Tom Nagy There are a number of existing forum threads covering the challenges RAD Diversified has faced with a number of investor's personal accounts of their own experiences.

For me, that was my #1 negative factor about CA as a market, the resistance and denial to face the realities.

Your story resonates with me and my partners, as we too ventured into Detroit's real estate market, albeit on a larger scale, and have faced some significant challenges.In the early days of COVID-19, my partners and I invested in land in Detroit's vibrant Corktown neighborhood with the intention of building 42 townhouses and a 72-unit rental building.

And I'm looking in 3 or 4 different markets in the country.If you are able, attend a local RE meetup and connect face-to-face with agents there.