At the same time no matter how much excess insurance coverage you obtain, there will always be a policy exception for gross negligence and even negligence will likely be covered only under reservations of rights meaning the carrier can opt not to provide coverage. 

Within those cities, I am targeting assets in central business districts (CBDs) and popular entertainment areas where large amounts of people congregate daily. 

.** The preceding has been my opinion only, the views are my own, and are intended for educational and entertainment purposes only and do not constitute financial advice.

I'm currently on the hunt to find what STATE in the U.S that has the fastest process to obtain a brokers license but also can offer reciprocity agreements to multiple states.

Yes - Suzie Orman and Dave Ramsey say whole life insurance is a scam - but as was said above, they are financial entertainers.  

Some of our initial baseline, no-go, criteria when we first listed were: 600+ credit score, no evictions, no bankruptcy, and income 3x rent... however, after finding that very few interested parties were eligible to even "enter a review phase" of landlord verifications etc, we loosened up a bit and went to an objective scoring model that I tweaked from a few ideas obtained after speaking to both rental professionals in my local area and some on this forum. 

For example, many will obtain a homeowner’s policy for a vacant flip – at about 1/3 the cost.

Lubbock has a low barrier to entry and has several backup economic drivers by being the primary hub (agriculture, financial, healthcare, material goods, transportation, entertainment) for an area the size of most states east of the Mississippi.

Is there a way to obtain a reliable number?

From the title insurance, the road says public rd, we also obtained fr title company of a grant deed fr 1963 that says “reserving easement” of this same road.