As of now, I'm still buying as much as I can in the suburbs.  

Oh Terrific, I fat-fingered the subject line.

(they are commercial, so they expect the business owner to have other insurances, since the size of the business may be variable).None of them offers umbrella.They both are supported by big fat public companies and we can trust them for stealing our money but hopefully they'll be there when we need them (humor).CBIZ has a straight forward policy, easy to read and understand.

Maybe an easier way would be to call and chew the fat with a couple of local appraisers, ask them what the average vacancy is and what cap rate they use to determine value in that area.

The former is investing.The latter is more a job, that can in time be turned in to more of a business as one can get to the point where one hires employees to follow created processes.I am looking for the latter so that I can build massive wealth.

But due to Harvey, even my best contractors were overloaded with fat margin work from insurance companies and non-investors from Houston to West Louisiana - I was SOL and on the search for a new crew.Lucked out a couple weeks later and was able to assemble a small crew to help with all the finishing bits and pieces.

One only has to look at some of the high profile suicides of the last 20 years to see that no manner of wealth can in itself create happiness

I have done it before and will avoid it as much as I can in the future.

Get all the self-education you can in this area!

Fat wallets and happy hunting.