@Linda Pasas you'll want to look in to it yourself but my understanding is that an umbrella policy kicks in after your primary policy is exhausted. 

Recommend it be serviced and inspected by a qualified HVAC contractor when weather permits.The exhaust flue for the furnace enters the masonry chimney and has some gaps around this penetration.

@S L Martinez   Yes, the finding a realtor that understands what we want to do and how the process works for investors vs. home buyers can be exhausting.

Kitchen/bath exhaust fans.Don’t buy a $50 exhaust fan for the bath or kitchen.

I have exhaustively searched for additional financing with no luck.

It must be exhaustion...

She told me that the process was too exhaustive and I guess this really turned her off.

Or submit proof of funds.Come back here after you've exhausted all the variables

We closed on this property on Friday December 19th & work started Monday December 22nd.Things Completed Week 1The water is up and running and all leaks were diagnosed and fixed by our plumberThere are 2 units with gas heat & the HVAC company we use came and did some minor repairs to get them up and runningThe other 2 units had electric heat installed this past week as well by one of our in house guys4 new doors were installed in order to comply with fire code regsSpring loaded hinges were installed on the doors to comply with fire code regs (about 50% completed)Installed exhaust fan in the bathroom in the 1st floor rear unitWeek 2 PlanPainting, flooring, and kitchen rehab will start on the 1st floor rear unit. 

The liability coverage from my insurance is primary on the case and like @JD Martin said umbrella kicks in only after the standard coverage of $300K is exhausted.