I have zero debt, and my credit score is 760+.

It sound like your current broker is ZERO HELP. 

@Julian Mills I wouldn't I'd just save if it were me, but also my risk tolerance is not very high. 

In many cases just getting an umbrella policy is cheaper and easier to do if liability protection is your goal.

I was reading that the national avg for for apt turnover was something like 52% so if you had a 100 unit place, change doors would be about $6200/year vs. pretty much zero because re-keying doesn't require a locksmith.For your smart home systems, are they wifi-based?

Mistake # 2 tolerating any delay.  

Of course I know ZERO about the Detroit market so my input is fairly general.

Also, I have worked out a deal with my realtor that I will place a tenant in the unit I reside in once I leave, and he will PM the property for me from then on.I plan on doing a test commute this week to see if it's something I am willing to tolerate.

He does it as a service for local investors, and I feel much better having had a professional look at the policies.

I'm trying to find out information for my mother regarding a Whole Life Insurance policy she has.She started this policy roughly 10 years ago (I had no idea this whole time) and is in her early 70's.