I'm sure insurance specialists on BP will chime in with helpful information.I'd recommend seeking another opinion from an insurance agent who can list and explain coverage options. 

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BiggerPockets is full of resources designed to help you along your journey, whether you are just getting started or a seasoned investor.

Here is what I've learned following interest rates for a long time...If you listen carefully to the experts, they are wrong 50% of the time. 

I was hoping the VA could help with this but I am not sure how to do this with getting another account banned.  

Hope that helps! 

If you want to scale, hard money is helpful. 

@Jennifer Brown;  normally I would either seek more info to help out on a posters question or give some direction on your Real Estate Investment path.  

I’m currently a sahm with 2 little ones so that means I have some free time during the day if anyone is looking for a real estate assistant or any real estate tasks to generate some income and so I can learn more I would definitely love to help.

California does not recognize series LLCs.You also want to look at whether a pass-through entity helps your bottom line and your taxes.