@Victor Lee you do not need seperate GL coverage for your PM business if you are only managing your own properties. 

Yeah, not always the cheapest BUT that's because they are legit and do correct coverage vs some dirt cheap policy that dosn't cover anything, a loss happens and now your really in trouble. 

talk with your local real estate atturney and your insurance agent about typical judgement amounts and the amount of liability coverage you might need.

If you were looking for the most comprehensive course, Champions School of Real Estate would be the way to go. 

But if I had to choose only one, I would pick IRR, because it's by far the most comprehensive one.

It turns out that as standard practice on my home owners policy through nation wide, under a heading "other inclusions" there is a coverage for "Landlord furnishings" and due to this wording I was no longer qualified for the loan.  

You will sign a personal guarantee so that if your LLC fails to pay, you will be personally on the hook.2) LLCs in my state require no annual maintenance fee, so you can set one up and forget about it for 10 years, then start doing stuff in it and there is zero difference than if you just opened the LLC yesterday.3) LLCs can be useful asset protection strategies, but be sure to layer that strategy by having sufficient umbrella liability coverage. 

A major factor in qualifying was the debt coverage ratio.

Appraisals are literally like trying to decipher your health insurance coverage.

They all have their own algorithms that they use to price the coverage at a particular property.