As I raised rents upon move-outs, my NOI went up, generating a new CR - - so the CR, being a derived, non-fixed number, was driven by my rental policy, not the Fed, not the community and not my loan. 

The day job I reference places me in the construction and heavy industrial world as the corporate safety manager for a mid sized company.  

Could be useful during daylight to see buildings, but also at night to get a feel for crime/safety in later hours.

"There is a safe room included but for safety I wont show you until after closing.. and you will be the only other person who knows about it."

So not paying twice.You didn't get a lender's title insurance policy when you purchased, so you will need it on the refinance.

At what point in an investor's portfolio would he/she need a series LLC and umbrella policy?

What you mentioned, is something that is applied across the nation or is it more of a MD lending policy?

Most of Trumps policies will be inflationary so it is likely prices will drop at some point but that is inevitable anyway based on normal cycles.

Matt,If the houses are Legal 3 family buildings they should be insurable under a "Dwelling Fire" policy. 

Nothing you can do, personally, to fix it, and I wouldn't recommend trying for your own safety.