Our auto coverage is now at an increased level so if this happened today it likely would not result in any involvement of the umbrella policy. 

A tenant now enjoys these enhancements at $1400/month, showcasing the property’s increased value.

When I run the numbers based on these rents, the property operates at a negative cash flow.If I increase the studio's rent to $1,400 per month, the property becomes cash-flow positive.

However, that will likely lead to increased turnover and increased vacancy time in between tenants.

The records of the closed title company MIGHT show how they handled the issue, but more likely they missed this issue otherwise as part of their solution a mortgage satisfaction document would have been recorded at that time. 4.

This was in a middle class neighborhood and I get why that is less risk however with apartments increasingly including laundry, I would imagine demand lessening in that location. 

You can always just increase the liability on your current carrier.

Can you PROVE that the landscaping increases rents of ability to rent? 

.- If interest rates remain high, this is further upward pressure on rents in the near-term, as the alternative to renting - buying a home with a mortgage, is expensive - this should increase demand for rentals. - Rents are also a function of supply - 2024 saw the most new construction of multifamily units in American history (nearly 575,000 estimated 2024 deliveries of new multifamily inventory), and 2025, while not a record setting year, will see deliveries top 500,000 again - a huge supply increase. 

If you can or do trust your PM company then speed can increase and costs decrease over time.