I've won the judgement every time, but have collected $0 on those judgements in 6 years of doing this business.  

Here it seems your desire to be a homeowner is potentially clouding your judgement & the better financial decision is to rent for the 4-5 years and invest the down payment money elsewhere unless a better acquisition scenario presents itself.

Credit score of X, or no money judgements, no evictions, etc.You literally cannot predict human behavior ... a good tenant can turn into a bad tenant through no fault of the PM. 

I always go for the judgement and since they collect 10% interest in California, they are a great way to get surprise checks down the road.

I got a judgement for the past due rent and started a garnishment.

That SSN is critical in most states to proceed with a judgement. 

Most redact the social, and for me this isn’t enough in the event I need to seek a judgement. 

Some of the issues you may find yourself dealing with are unpaid municipal charges, taxes and judgements against the Property or the decedent.

In the court document is states "Court finds default judgement - 3 month redemption period." 

So, if you have a loss at your home and the judgement against you is $500,000 the Homeowners would pay the $300,000 and then the umbrella would kick in for the remaining $200,000.If you have properties in both your name and in an LLC some companies can cover both on a single umbrella while others will require two umbrella policies.