It seems the most likely issue is simply having your personal names as the deed holder listed in a complaint although again, based on what you shared about your sound operations your insurance should cover any claims that would arise since you wouldn’t be triggering any coverage exclusions.

Often, these are some of the hardest properties to get title insurance on for various reasons, and your policy may not be quite the same coverage-wise as what you'd get on a "normal" purchase on the MLS.

After contacting four insurance agents, I've been consistently told that I need to purchase two separate policies: one for standard coverage and another for liability.The only option presented to me is the California Fair Plan, which offers limited coverage.

When I could've lowered coverage and sent it multiple times to a smaller lead group. 2.

I realize that this is likely specific to Proper insurance as most insurance plans don't even offer commercial coverage. 

Does anyone know if I qualify for this, if I don't have flood or wind coverage with the insurance company.If anyone else is in the same boat, feel free to connect.

My water usage bill is the same,  general lability coverage is the same, if and when I have to replace my water service line it will cost the same, the cost for my lawncare and snow removal costs the same, exterminating services cost the same and the list goes on.   

Lenders want that security, especially with newer LLCs, and often, you’ll need to show personal backing.A DSCR loan (Debt Service Coverage Ratio) is an option that looks at the property’s cash flow rather than your personal income, which is why many loan officers suggest it for newer businesses.

To have 10 paid off properties by the time I retire to supplement my retirement that would net me 10k/month and live happily ever after.

You'll pay a premium for their other stuff to supplement your core materials, but that's fine.