With society today, I just want to make sure that I take good precautions to try to protect myself and properties as well as possible.  

Has your/any attorney suggested you sell at least one of the properties then at court find out why their insurance didnt pay (Every American is required to have Health Insurance aren't they)?

I used American Modern, Foremost and Lloyds of London. 

I want to start investing in the American real estate market, but I already face myself with the problem of an ITIN number request..I am from the Netherlands and have no income from the USA (yet).

As for wholesaling, I do not know how it works in Ghana, but I would definitely seek advice from a real estate attorney as laws in many African countries can be more complicated (fewer legal assurances) than in American or European countries.

@Penni Zelinkoff Recommendation: Join AAPL (American Association of Private Lenders).

Only butting in because this can be a big deal, there is nothing more, besides the paycheck, that is appreciated more than tangible recognition for a job well done, it strokes the ego, and for workmen who take pride in what they do (The Pride of the American Worker) it's important.It sets you aside from being an employer to being a friend as well.It sets you aside from others they may work for.If you have an emergency or a really short fuse on a deal and you call them, it's just human nature to help out your friends or best clients ahead of others.

I work with both American Modern and Foremost on rentals and both should be much cheaper than either of those two.

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