Leveraged a credit card and refinanced a current auto loan for renovation costs.

For the umbrella policy, you should have no problem with using your current carrier (e.g. auto, your primary residence, etc.). 

I currently own an STR in the Mountain Village and an STR in the Meadow Village (launched in 2014) and both are having their best year yet on the vacation rental market.  

This is the ratio of your gross monthly income to your total monthly obligations (proposed mortgage expense, auto loans, student loans, credit cards, etc.)As far as down payment and closing cost strategies go, I usually recommend against down payment assistance programs.

Some companies will credit the Dwelling/Fire policy if you have your home & auto with that company so that could impact which provides the best rates.

Skora - Most if not all MLS' auto populate to the major real estate websites (zillow, trulia, realtor, etc.) if you allow it. 

I am renting a home in Tahoe (Kings Beach) this week, and lived in Incline Village for years. 

Holy auto-correct or voice to text (I hope). 

Thats including everything from your min credit card payments, auto car loans, mortgages, etc 

They MLS service may auto post it.2) who did your friend's Zillow info request go to?