As landlord’s we do not live there so doesn’t the policy have to be a commercial policy even in SFH? 

@Adam Scheetz, unfortunately, the part of Northern Virginia within the DC metro area has virtually zero multifamily properties. 

Some ask about how they can get a seller to finance their first deal for zero money down. 

Even if you make zero, you gain a buttload of knowledge in the process, which is invaluable.

Also, by the time we were discharged and COULD start making our payments, we were 3 payments behind and according to our mortgage company's policy were not allowed to make online payments.So starting at the end of September I started trying to submit a borrower assistance package to our mortgage company, I made three attempts to submit this, and each time they required information that I had already provided them with.

Private policy my entire career.

I’m looking for a thirty-year fixed loan with an interest rate at 4.5% or below (I know it's out there since I did it three months ago) and I do not want to pay more than one point for the rate (ideally zero).

Outside of the tax implications, we're looking to see what others "risk tolerance" would be and where to allocate the funds. 

As to your question about the LLC, this is how I break it down for people looking at real estate investing and asset protection - I call them the pillars of asset protection. (1) Avoid high liability actions [this is more of just executing common sense,] (2) find a great insurance policy, (3) compartmentalize your assets [LLCs, C Corps, etc.,) (4) separate your assets from your operations [operations contain the most liability,] (5) introduce layers of anonymity to hide your assets from prying eyes.I approach these issues from the mindset of being an investor myself, so it all has to come together in a way that is profitable.

Hello All,Regarding obtaining an “Umbrella” liability  insurance policy, is it possible to cover properties from various states or will separate policies need to be issued?