I think the umbrella is a relative bargain (and as you note probably lower risk for insurer as the underlying coverage may handle many claims) for the price (I use  RLI, and maybe your solution is as simple as a lower cost provider)...In my very short time seeing inside of insurance defense, I would see the guys that worked for the major insurers (who fought claims on a daily basis) up their own policies, so that was enough for me..  

You would need to get your lien stripped in BK13 and then appeal it all the way to the Supreme Court - or wait until one of the big banks does.You can raise that defense for sure but the attorneys I've spoken to mentioned that BK judges are mostly going to keep doing what they were doing until they're forced not to.If you want an in depth article I wrote on this subject:https://www.linkedin.com/pulse/boa-vs-caulketts-potential-impact-chapter-13-lien-patrick-desjardins

I have no interest in throwing up a house and four walls, these homes are going to be something people have little to nothing can be proud of because I am driven in this project through the philosophy that your environment affects your self worth.

He owns at least 13 properties and a self storage business in my area alone.

@Alin TonczIt is going to depend if your IRA is self-directed.

Do you currently have a PM now or are you self managing?

Your 401k can be converted into self-directed retirement plan giving you the control over the investment choices.

We self manage from all over the country.

I have self employment income and no w2 employees.

My question is should I sell now ( subject to short term capital gains, self employment taxes) or rent out and sell after the one year hold ( subject to long term capital gains) ?