if not, you might be restricted to more passive options. 

But I would imagine the credit card companies would start to restrict me at some point.

No breed restrictions.

I have experienced subletting working under some very restrictive and specific conditions.  

Act 52 Imposes New Regulations on Real Estate Wholesaling in Pennsylvania - Barley SnyderWhat you need to know about Act 52: Wholesaling!

Like you mentioned, frequent crashes, problems uploading photos, weird restrictions on what words can't be used, listings removed for no obvious reason. ....and, to me, the navigation/operation is very unintuitive and cumbersome.

Also if you ever decide to move out and rent the entire condo, the HOA might have restrictions like limiting the percent of long term rentals.

So while Umbreall insurance will provide me protection but how do I keep liabilities [Without a LLC] restricted to one property asse.   

Notable changes in 2024 for Virginia:- Amendments made to the Virginia Residential Landlord and Tenant Act relating to restrictions on fees charged to tenants.- Enhanced Tenant Rights and Responsibilities Statement.

^^ not a way to get around the net income for your rental, but as mentioned DTI restrictions are different from lender to lender so you might find more leeway looking into that.