I like umbrella because there is no worry of being pierced for inadequate separation of finances, if sued you have a heavy weight in your corner who has all the consequences of a defeat, and because usually it is reasonably priced (mine today is not so reasonably priced but I believe it is mostly related to the risks of CA).I do understand that the probability of needing the umbrella policy is low.  

There would potentially be some weight issues with the 2nd+ floors of some shopping malls, depending on what the potential tenant wants to store in the upstairs unit. 

I too appreciated your response, so your recommendation will hold a lot of weight. 

I have a wife and 3 kids and the weight of their futures on my back.

So you have to weight risk to reward.. and sometimes we have to eat one that we bought it happens..

Her health is OK, but it's going to drop quickly if we don't find a way to get her active and lose some weight. 

Other people might look at the proof I'm providing and realize that it holds more weight than what people "think" will happen, so I'm posting for anyone who might be into that.

But, this will be front-end weighted and gradually slow towards the back half of the year.

The foundation was already approved, permitted and finaled years ago for a 3400 sf house, and its solid and I won't be building directly on the overhang edge; but rather back away from the edge a few feet to prevent any load issues all the weight will be on the longer sides of the existing footing.

Focus on the big moves: security, renovations, and cutting dead weight.