In regards to your question about renters insurance I always require tenants to have it and maintain it.As far as your other questions some people go for an LLC to protect their assets (but more work to do tax time to do it right) where others keep it in their name and get landlord insurance and/or umbrella insurance.

If you need to access equity for a second investment property, a HELOC would be a better option.Currently, many investors in long-term loans are seeing reduced cash flow due to high rates, taxes, and insurance.

As always, consult with your lawyer and CPA regarding your specific situation. 

@Kelvin HeSome things to consider:Transfer Taxes: Some jurisdictions impose transfer taxes when property ownership changes, even if it's to an LLC you own.Due-on-Sale Clause: Check your current mortgage agreement for a due-on-sale clause, which might require you to pay off the mortgage if the property is transferred to an LLC.

I have gone through ALDOR to purchase and I’ve also purchased through a broker, but I was looking to see if there were websites that also listed them that I could take a look at? Thanks 

Normally cash-out refinances are capped at 75% and of course, they will need to cash flow positively with principle, interest, taxes, and insurance.

Specifically, I'd like to consult someone during a change in tenancy to make sure our contracts and everything is up-to-date.

I am thinking about moving from NJ to PA with the higher property taxes in the area I currently reside in.

I am currently a consultant and I have a CPA but I am hoping to break into real estate investing initially on a small scale and continue to expend my real estate portfolio until it is a full time occupation.

In the 401k, this tax known as UDFI does not apply.