I can set you up on auto searches for MF through MLS and the commercial sites.

Instead of looking in Beacon Hill and Alta Vista, look at Los Angeles Heights or Dellview & Greenhill Village. 

I currently have around $2600 in cc debt and $23k in auto loans, which will take me 18-24 months to pay off.   

It takes a village to raise a child

Besides, umbrella policies are cheap so I would recommend just getting one.Investopedia's definition of an umbrella policy:An umbrella insurance policy is extra liability insurance coverage that goes beyond the limits of the insured's home, auto or watercraft insurance.

Society Hill, maybe Lexington Village, another development off Rues Lane near Route 18, not far from Churchill School.  

And lastly, there is huge value in finding an insurance agent that is skilled in all types of policies (auto/home/umbrella/business etc) and therefore can spot gaps in coverage and can be your risk manager.

Gang activity, drive by shootings, auto burglary, and etc increase the farther east you go.

(credit summary: 2 accts; #1 is authorized user [AU] acct, 12 yrs old, 35k line, $4k balance; #2 is new credit acct, 2 mos old, 8k line, $0 balance)If after reading #3 you think I'm building credit up from scratch in the US, you'd be right: got my dad to add me as AU to his 35k acct, then opened one of my own (the 8k line), and may open a third here in a month or so (AMEX transfer from Australia).  

There shouldn't be any tax event in your scenario.With respect to Google Village, it won't happen overnight.