Samira,The proper Insurance coverage and/or limits should be discussed with a qualified Independent Agent.  

One way to improve your odds would be to use an Independent Agent with many companies.  

You will want your own independent attorney/CPA to review any such strategy and not rely solely on the advice of a firm marketing checkbook IRA plan services.

However, his source of income is very tenuous because he is a tax preparation independent contractor and his lawn care contract with the city of Memphis was temporarily suspended because of covid. 

My goal has been to become financially independent through rentals since I was younger.

Would those interactions be able to operate independently, or do you have to call people to ask them to move their cars?

It has to be one of these two cities for reasons independent of real estate.

It has been a long journey to get here but financial independence is a great destination.In the course of buying homes I became a NY Licensed home inspector and launched Chemung Valley Home Inspection LLC.

I’d recommend using an independent insurance brokerage.

If it is financial freedom (although it sounds more like independence), I wouldn't focus on the unit count as much as on the cash flow.