We were informed our plans were increasing the lot coverage by more than the 60% the city would normally allow. 

Typically only looking at a DSCR (debt service coverage ratio).

I know I've run into this in Texas a few times and with a little pushing, I got the title company to agree to remove the encroachment from the coverage exceptions. 

Just make sure you have a solid insurance policy of at least $1MM, preferably $2MM worth of coverage.

This book gives you a comprehensive overview of the syndication process from beginning, middle and end, with no fluff.  

I got a quote for both ACV and RCVRCV annual premium $2,900 - which has deductible $1K; total coverage amount $450K with premises liability $100K; water backup of sewer or drainsACV annual premium $1,700 - which has deductible $2K; Dwelling coverage $180K (which is the purchase price) with personal liability $300K; loss of rent $18K; living expense $18KAdditional questions:- Do you think the rate above is reasonable?

Some of these can be picked up by the policy covering each property/LLC, but many times the coverage does reach back to cover the entity you are operating under given the ownership % is so different. 

Those products are far more interested in the property's profitability (the bank is particularly interested in Debt Service Coverage Ratio) and less so in DTI, credit score, etc.

Many of my clients come to me because they’ve been told by local agents or call center reps that they can’t get the coverage they want. 

Basically you want to create walls (or motes) with your personal holdings in the middle and hope that the penetration stops using those tools (entities, umbrella policy, liability coverage, etc). before it reaches your personal holdings.