Also in Town 4 we are going totally Auto pay Credit Card/Bank account. 

Investment Info:

Single-family residence fix & flip investment.

Purchase price: $125,000

Cash invested: $60,000

2 bed 1 bath home with a rooftop patio

You may have more luck in the suburbs but you need to check with the village.

It's pretty sweet and free for me.I also have some nice auto messages I use to do the initial "screen" to save my time from the tire kickers and the "is it still available" annoyers.

Perhaps they would do better by using an auto-pay method.

I never have late payments, my credit score is 730ish and I went to apply for an auto loan but was denied.

For the auto loan my bank provided a payoff letter and evidence of the transactions. 

The one bad thing about burbs is taxes and most of these villages now have rental codes, licensing fees, and inspections that eat into cash flow. 

Of course, its up to the OP to decide what is right for her.Part of the problem is an Umbrella is probably the most misunderstood policy in the forums.  9 times out of 10 non-insurance people will post an interpretation that is incorrect.Investors use/need an Umbrella to simply have Liability limits higher than what their General Liability policy can provide (max is usually $1M) over their rentals.If you had a contracting business, that Umbrella can extend higher limits over your commercial Auto, Work Comp, business locations, your product liability, etc.A Personal Umbrella can go over your Home, Auto, rentals, Boat, recreational, etc. 

Village have their own rules so do HOAs.