I've found that when I try finding other deal types or other business models or niches, I end up losing a ton of valuable time that goes nowhere. 

Umbrella Policies are good, but they are not an asset protection tool, they only cover litigation/damages after you’re already in litigation or found personally liable.

Look for properties with value-add potential, plan renovations carefully, and use tools like the BiggerPockets Rental Property Calculator to analyze deals.

It’s clear that the evolving market, especially post-GFC have shaped your perspective, and you’ve outlined some valuable points about the flexibility and challenges of private lending.The flexibility in ARV and LTV is such a huge advantage, especially for investors who might not have traditional financing options.

A strong team can streamline processes and reduce headaches.Expand Knowledge: Podcasts and forums like BiggerPockets are great tools.

This is the true organizational and budgeting tool that every investor should be using for their projects.

Understanding your top priorities can help in determining whether Stessa, Baselane, or another tool might best fit your needs.If you're comfortable with apartments.co for rent collection but want higher yields on your cash (this is me reading between the lines) you could have the transfers go into a high yield business account like BlueVine 1.5% interest or something like CapitalOne 3.9%.

Use the BP tools to analyze a deals.

Be sure to check out the free tools BP provides to help analyze deals you may have and also market insights.

You’ve gained valuable experience from your first duplex and are now approaching real estate with a strategic mindset