It's not only the state regulations but, also local policies that make developing, building or investing very "difficult" at times.

Either on the policy or mandated by some city law?

If the properties are all in an LLC, an umbrella policy is overkill.

Hello all,I just purchased my third rental property this year, a 3 bed 2 bath half duplex, and called my usual insurance company for another policy.

Well after clicking around several pages I found zero useful information.

If you mean protection for general liability (tenants, visitors, slip & falls), just grab an umbrella policy (~250/yr for 1mil covering ~5 properties, about 100 for each increment mils), simplest thing you can do and beats the couple thousand in fees a professional will charge you.If you want or need to do tax sheltering strategies or optimize estate distributions etc, then definitely go for a qualified accountant or attorney.

If you know the rate, remaining payments, payment amount and FV (often zero), you can use PV to compute the current balance.

Particularly, if your time horizon is pretty far out, the only question should be, where can you get the best return for your risk tolerance?

What's keeping me up at night is that there is ZERO inventory in my hood: the San Francisco Bay Area, right now!

This is a pretty personal issue that depends on a host of factors including your current financial goals, investment opportunities, risk tolerance, time horizon, cash flow, cash reserves, etc.