> removal of the liabilities, Income, date of births, socials, FICO, etc.  

For example, if an HOA establishes a rule regarding exterior paint covers, deed restriction enforcement would be with that HOA.It is important to be aware that liability for breaking a covenant rests with the titleholder to the property, even if that individual is not the one who technically engaged in the deed restriction violations.

Typically I would run a stress test to assure what my max purchasing/borrowing power would be because there are multiple factors that could influence your borrowing power such as house market prices, rates, income, liabilities.

And in doing so I realized that it’s going to be $2k more per year to insure it for replacement value of $145k vs before it was mostly just liability insurance plus a cap of $15k replacement payout. 

Citizens only offers $100k liability compared to the typical $300k or $500k on other rental policies.

@Warren Barton  Having your property manager pay you through your LLC EIN offers better liability protection by separating personal and business assets. 

Your primary insurance policy with $300,000 in liability coverage should be sufficient in 99.999% of all lawsuits.5.

You just get good insurance and possibly and umbrella policy for added liability coverage.

There is always a substantial liability to keep in mind you should get specific insurance, and tons of disclaimers and permission slips. 

I've tried researching this a bit but haven't quite been satisfied with what I have found, so I apologize in advance if this has been answered and I just missed it or didn't understand it correctly.

Few questions -...