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.

The unit above me is having a plumbing leak so I've seen a small amount of water come down through my exhaust fan into my bathroom a few times when she has used the tub.

Once you have an FHA loan you are not allowed to have another FHA loan unless relocating a great distance for work.Now that you have exhausted your Low Down Payment Options (Portfolio Conventional and FHA Conventional and FHA) you will need to use a Standard Conventional Loan and put 20% down to get your 3rd Duplex.The sky is the limit...you could continue to buy properties and build an empire or just stop there and enjoy more free time...I have friend who quit his job and just manages his properties now.Keep in mind that this 4 step process I outlined takes time (anywhere from 1 to 10yrs depending on the person) so keep the big picture in mind but don't let it stress you out too much.

https://www.toledoblade.com/local/city/2022/11/25/amendments-lead-law-put-violators-housing-court/stories/20221125112City officials now want the Toledo Municipal Housing Court to hear alleged violations of Toledo’s lead-safety ordinance.The administration believes the change from an administrative hearing process will allow the law to withstand ongoing legal challenges that have prevented it from being enforced.Toledo has faced recurring legal challenges since 2016 while working to craft a law that requires owners of residential rentals with four or fewer dwellings and built before 1978 to inspect their properties for lead paint and obtain lead-safe certificates from the Toledo-Lucas County Health Department.The law also stipulates that inspections must be completed by a local lead inspector who visually inspects properties’ interiors and exteriors and collects dust wipes to test for compliance with U.S.

The scenario I described above is meant to do some digging (not an exhaustive or major time consuming process) to locate all the owners of the apartments in our target market and then automate a contact campaign to see if we can stimulate an off market deal (emails, cards, letters, phone calls) and to create more of a working network within that target market.  

I got a letter saying my delay was exhausted and i don't have the right to the amount i posted.

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. 

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

It must be exhaustion...

The Joint partner would use and exhaust all of their 10 financed properties and new partners would be added to accommodate additional more conventional loans as needed.