I sincerely thank you ALL for so many vital answers.

It's precisely the lottery size judgements that either exceed you insurance or are dodged by your carrier that make it a good plan to have another layer of protection  of a limited liability entity.

For basement ceilings or basements that are finished, but not bougie, I don't mind multiple spray layers, but interior rooms you are in all the time need that extra care.

If you move forward on this, make sure you have layers upon layers of checks and balances here.

He layer said the windows were all put in incorrectly and needed to be redone because letting in air.

This is same question why in US we have culture of tipping when other country do not , also why in Us there are just so many added layer fee for attorney , legal and sort of.To be quick , higher commission in US happened because American way of doing business is not efficient, there are layers for law, legal and attorney fee.

There are multiple layers to REI.

The investors for conventional loans (Fannie & Freddie) layer on to the pricing (i.e., rate and points options) for condos.

I love section 8 because it guarantees a certain % of rent, the tenants really value that housing voucher and won't do things to risk losing it, and section 8 has strict criteria for condition of the unit which adds a layer of accountability on my property manager. 

Since your passive income currently covers your living expenses, there are a few extra layers you want to be sure you have someone with the analytical experience to guide you to the proper approach.