That may be considered "umbrella coverage" but sounds like extra coverage to me.

Are they worth the extra due diligence if the initial numbers add up?

I make sure I dive deep into there motivation while I try to listen to their true concerns.The main thing I would suggest is to remember that most people will give you a cookie cutter concern, based on something they've heard or read, however if you ask a few extra open ended questions you should get the real concerns.  

Now, all the other workers would give me "Change Order" forms describing the work and extra cost that I would have to pay for.

Or just refinance at the end of the period if you have substantial appreciation built up with equity and use the extra money to purchase more properties.

it's really no different than a house or duplex,  just that it involves extra items.  

I started the pre-licensure course last Week Tuesday and I should be done with the course by this Saturday ( That's my Goal at least) Then I plan to take an extra week to study some  more and then take the actual exam to get my license.

If it grows then you have some extra money.

Some Active Duty members don't live with honor and put an extra burden on tax payers.

I'm sure it hsa to be ok to pay yourself incase you needed some extra money from your own business right?