I've handed off my LTR to a separate PM and they want to be named on a general public insurance policy for the unit, but truth be told, I feel like I need a solid umbrella policy to cover the MTR and any claims against myself and husband as the owners of the property.

Hello BiggerPockets Community,My name is [Your Name], and I’m based in Orlando, FL.

To clarify, in MN a person must be a licensed to perform at-charge Property Management services, for others, on a standard commerce basis. 

I can't just put the LLC's income directly into my joint personal tax return, right?

Hi Duarte,What makes DSCR loan fascinating is that it does not verify personal income.

I personally would revisit your strategy of buying a negative cash flow property in SoCal, right now.

Where can I do to do some research and figure out weather this style of get away is still growing in popularity, or if it is on the decline? 

I've helped investors to sell fix and flips, multi-family homes, land, you name it!

The home is in our partnership LLC name as well.  

As a landlord you might want to go with a cheaper "named perils" policy instead of a comprehensive homeowner policy.I guess the good news about your HOA fees is that you're not being hit with an assessment in addition to higher fees.