I personally don't like exclusive by agreements.

Meet in person.

We have a 30Y Fixed DSCR product that would likely fit your needs. 

They say the average amount of water per day a person uses is 80 to 100 gallons , Lets call it 60 to be conservative .

I’m not a “people person” so they handle screening.

Typically this means they will take longer to close, may not have all the information for the companies they work with, and most hard money brokers get their money by taking an existing product and adding extra points to pay their fee.What is your investor success rate?

Great product but can be pricey monthly

That could work if you find the right person.

@Laurens Van swol a few banks that we've worked with in the past allow you to close in your personal name.

A landlord policy can be a commercial policy or a personal lines policy.It's the same as asking if you should buy a single family rental or a 1 unit building.Focus on the coverages and disregard the name of the policy.