So if any of my insurance policies exceed their limits (personal residence, auto, duplex, etc)., my Umbrella should make up the difference.

I work for 2 months building every part now my real estate business with my team runs on auto pilot. 

@Mike McCarthy  Mikes got it.. open house ONLY  ..... talk to the realtor holding it.. let them know your not interested or capable yet but will be in a year or so.. they can put you on auto MLS listings that will hit your e mail in box weekly or daily as listings come up.. this is what I do in markets I am active in.. then if i see a new listing i am interested in I e mail my realtor and off we got..

Works for me & no issues with tenants paying through there who can do auto-pay from checking account for free. 

They charge $1 for each transaction and I try to get all my tenants to set up auto-pay.

@Tony MayoMetro Detroit (my rental portfolio is here)Purchase: $80k-$130kRent: $1200-$1500ROI: Double DigitCash flow: couple hundred/monthAppreciation: Double digit (for past 10 years, will gladly send data)Location: C, B- (suburbs and certain markets)We have over a dozen Fortune 500 companies just in Metro Detroit with huge Healthcare and Auto industries.

Trust me even if your score is 800 but you don’t have much lending history or a steady W2 with low DTI ratio then you won’t even qualify for an auto loan much less a mortgage loan.

The alpha article forgot student loans and subprime auto loans...total amount as well as delinquincies...and also forgot that in addition to up and down there is also the possibility of a plateauing.

Or the water company wants to only auto draft the owner.

The mortgage scores want you to have an auto loan but I have no need for or want an auto loan and it's not exactly easy cheap or simple to get an auto loan just for the sake of having an auto loan..