I was under the impression that a DBA is structured under an LLC, not as an umbrella company. 

Of course there is always the option to just buy them in your personal name and max out the number of 30 year fixed rate mortgages you can get your hands on...I just suggest you get an umbrella policy when attempting that. 

I would recommend just to get a large liability umbrella policy for now.The broker that is suggesting to get the loan in your name and then transfer the title into the LLC, what does he say about the DOSC??  

With nearly 14 years in these forums, I have yet to find a mom-and-pop investor that was sued for more than their insurance would cover.If you are concerned about it, buy an umbrella insurance policy.

I suspect before the last refi is was approaching $1K/month of cashflow (I include everything in my expense estimates even a misc that includes items like its share of LLC costs, its share of umbrella coverage, a utilities estimate for the rare occurrence when the utilities should be paid by LL such as a slab leak, etc.). 

They do fall under the umbrella of groups from Neighborhood Building Alliance. 

Going without medical insurance is akin to going out in the spring time in the UK without an umbrella: it’s going to rain, you just don’t know when.

An LLC, liability insurance, umbrella policy are all things to mitigate this type of risk.That is talking from an entirely risk standpoint, and not touching on ROI, ROE, etc...

Hire an insurance agent - get advise regarding (a) Landlord's insurance, (b) Umbrella insurance and (c) Renter's insurance.

Most buy-and-hold real estate investors will set one up in addition to having umbrella insurance.