They will get you the right coverage.

Since DSCR (Debt Service Coverage Ratio) is a standard commercial real estate lending metric, it's redundant to label these mortgages as "DSCR loans."

That's the cheapest I can get with replacement cost and a $5,000 deductible, no loss of rent coverage, etc.On a quad, I'd expect you're paying at least $250/mo or more.Lawn and snow removal also seems quite low.

Pretty shocking how inaccurate the coverage on this settlement has been actually. 

The coverage amount probably isn't the main issue.  

If your insurance coverage isn't enough, they could seize the LLC assets, but not your personal assets.Additional thoughts:1.

Mel,A short term solution to the Umbrella issue would be to get just Liability coverage for the townhome that was turned down due to the roof.  

With the cause of the loss probably being a hurricane I would make sure your hurricane/wind deductible isn't insanely high though as sometimes it is a percent of whatever the home coverage is.

Natural disasters, higher construction costs, and a competitive insurance market are driving these increases.Review your current policy to ensure you’re properly covered without overpaying for unnecessary coverages.

You want to see both Building coverage and Liability coverage.