Your best bet is probably an online service, since they're far more cost effective and starting an LLC is absurdly easy.

My wife and I made multiple false starts and unavoidable mistakes.

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The natural instinct of some may be to falsely assume that the house is unsafe because it requires a mitigation system.1.

(started at a absurd list price) and finally closed on my dream building site ("tear down") earlier this year!

Provides coverage for claims that may be excluded by other liability policies including: false arrest, libel, slander, and liability coverage on rental units you own.

Your comments were, "...nobody in their right mind is going to sign away 50% of their property up front" which is a false and misleading statement...again, it happens all the time in for those of us in the investing world, it's nothing new.

That is why in my article I say that it is a false choice, each protects from common situations that real estate investment is exposed to.  

9% is absurdly high interest, and I'd say you'd benefit from a refinance.

I recently had someone ask me if they could just not report expenses to show higher income and the answer is no- It's filing a false tax return.