My goal would be to protect my home from personal creditors, ex medical bills.

Yes, if it was obvious those occupancy limits were designed to discriminate against a protected class, and you/your property was subject to fair housing laws.

I deal with more protection for my business since I'm a contractor but this seems a bit overkill.Carrier: ScottsdaleSix-Month Premium: $1179.5625% minimum earned premiumCoverages & Limits:Commercial Property: $125,000 Building Limit – Special Form excluding theft; $2,500 deductible; Replacement Cost Coverage; 80% CoinsuranceCommercial General Liability:$1,000,000 each occurrence; $2,000,000 aggregate limitProducts-Completed Operations Excluded; Designated Premises/Project Limitation included.Conditions: All subs must carry equal or greater limits of liability naming insured as Additional Insured, hold harmless contract in favor of insured, with Certificates of Insurance.Thank you in advance for your consideration.

I'm trying to protect myself legally. 

I had many issues like that and since I keep good records of lien releases, I would just email them a copy of the release and they are like : "Oops.. we should have seen it in public records but now that we have book and page number we are good to go"... 

I look in 45236, which is Deer Park, Silverton, Sycamore Township, but not in Cincinnati Public Schools.

I'm thinking that this is a useful asset protection measure to leave the property encumbered.Is this reasonable tactic ? 

Hello Nathan,  to protect yourself as a lender in an owner finance transaction, you should use an RMLO to disclose the loan terms to your buyer and verify their ability to repay the loan. 

REIT's and institutional investors will happily take very low cap rates for safety of protecting their capital and ease of management. 

How are other 'buy & hold' investors financing properties long term and protecting their privacy?