HI Stephen,You can always open HELOC or line of credit from your primary house or non primary house, assuming you have sufficient equity and income to qualify.

You can also buy a Landlord Forms package from Biggerpockets, me, or find one online and hope it's sufficient and legal.You don't need an app to manage your property.

Your primary insurance policy with $300,000 in liability coverage should be sufficient in 99.999% of all lawsuits.5.

Incurring debt before you have sufficient earnings to support that debt.

However if you're only managing for yourself, not others, it would probably be sufficient.

A higher ratio (typically above 1.0) indicates that the property generates sufficient income to cover the debt, making it a lower-risk investment for lenders.3.

An addendum is sufficient.

Third-have they joined the  Families for Self Sufficiency (FSS) program?

I have consulted with a few attorneys over the past couple years regarding this and have determined that for my own personal situation, umbrella insurance provides sufficient risk mitigation for my situation at this time.

Does anyone have experience/recommendations of lenders who work with investors who have moved away from W2 income and can prove self sufficiency?