But, I just got an email from my home/auto insurance agent that they won't add a 12-unit to a personal umbrella policy.  

My other suggestion was to do 1 month early term and auto lose the security deposit.

A bit piece of what makes them hard to beat, is the fact that they are plentiful.Metro DetroitPurchase: $80k-$130kRent: $1200-$1500ROI: 10-14%Cash flow: $250-$350/doorAppreciation: Double digit (for past 10 years, will gladly send data)Location: C, B- (suburbs and certain markets)We have over a dozen Fortune 500 companies just in Metro Detroit with huge Healthcare, Auto, mortgage, Amazon fulfillment, and more jobs.The bad reputation comes from OOS investors wanting $20k D market properties.

Attached is an article regarding insured cost of a home compared to its market value, see: Insurance analysisIt's more common and intuitive when talking about auto insurance.

On my personal residence, insurance is on auto-draft, and I mail the tax bill at the end of the year.

That's exactly why I don't do auto reversal either.

Denver street / grafitti / mural artist or community group to paint the side of my building (great exposure for their work, 50,000 cars/day)2. electrostatic painter or auto body worker who wants to moonlight and restore my metal cabinets lowrider style (think glossy turquoise or black with pin strips)

If this happens you may NOT get keys at that time and will have to wait until the loan funds and the Closing Attorney receives the funds.What to check the day before closing16Call the closing agent to confirm the date and location of the closing17Request a preliminary or final closing statement if there is one18Review closing figures for any mistakes19Confirm insurance, deeds, trust deeds, and mortgage documents are correct20You should do a “Final Walk Through” of the property you are purchasing within 24 hours before closing to confirm the property is in the same condition that it was in when you agreed to purchase the property and that all inspection required repairs have been completed.After ClosingAfter Closing21Check property insurance (check policy documents, billing and auto-pay22Confirm addition to Umbrella policy insurance23Check on Title Registration, Taxes, Insurance and Home Warranty - 30 days after closing24If leasing, then set up a "Landlord" account which defaults to you to avoid hooking up utilities fees between tenantsIf you are taking over one with tenants:WITH TENANTS#PhaseTaskFinish ByAssigned ToCompleted?

Auto reminders for lease renewals, quarterly/annual preventative maintenance programs.

Account ClosedWhen you have fewer than 3-4 properties, you can usually find your best pricing through your personal lines agent (the agent who writes your home and auto).