You are correct they handle by PM company liability I have prudential personal liability.OK, yeah, and they (Coterie) doesn't offer commercial umbrella insurance (or personal) so I was concerned you might not be covered correctly.You have a personal liability umbrella through Prudential?  

They mentioned that the family member began debt consolidation 20 months ago, the way debt consolidation works the company lets it go into collections I am concerned that if the person files for bankruptcy.Even just one of 3 family member file a bankruptcy 7, can they stay 3 to 5 months without paying rent?

If yo plan to buy and hold, make sure you have a good property management company ready as well 

If you want to be mentored your best bet is to go work for a company - most CRE is not a single individual and CRE is fast moving and things happen fast and you can't structure a "follow me to learn" without working for someone 

Probably every dialer company has lists they can sell you.I think it is better to call yourself vs using cold callers. 

@Khaled SeirafiRecommend exploring as many sources as possible to get referrals AND cross-reference them to get as much accurate information as possible.Check out NARPM.com, BP’s Property Manager Finder (BiggerPockets: The Real Estate Investing Social Network), etc.Also, encourage you to learn from the mistakes of others - by reading posts here on BiggerPockets about owners not having their expectations met by their current Property Management Company.

However, bc of the losses, mortgage companies don't want to touch me when I am fully able to pay the mortgage.

- Do you disclose the company name on your msg template? 

Being a lender for 10 years, all is that we required from the title company and the lender is that a notarized close was to take place. 

I used to have CoStar with my previous company, but no longer have access.