So 150,000 liquid minimum between cash value of life insurance policy, 401k,IRA, CD, Savings,Checking, Stocks,etc.

Upon the advice of my insurance agent, I keep my business, property, car and home insurance liability coverage low and have an "umbrella" liability policy for 1.5x of my net worth, which kicks in if property or car or business insurance isn't enough.

If you have a open check book policy then your bottom line will be affected.

I'm here to know more about Real Estate Business and leads.Also, Current Market Investment Policy, Business Idea, and othersI hope I will enjoy this forum.Thanks!

@Martin Nowak There are many companies which would be looking to write this and several can have all of the properties listed on the same policy that say it is simple and streamlined.

Then I can add a 15-20% factor for safety measures. 

Currently, I have found more title companies are changing their policies to hold title open for 6 months instead of a year which can make it a bit more challenging to get a refinance closed by then.  

Although I'm qualified for conventional as well as fha, the lender said that most real estate agents are confused in thinking that only fha homes must pass safety and health standards, while conventional loan approved homes do not, so that when they say it isn't approved for an fha, it also likely isn't approved for a conventional loan.One house I was looking at in particular did have some issues, but it's well below my budget, 90k when I'm approved for 200k.

That same insurance policy will specifically outlaw vacation rental, STR type activity.

He did not seem remotely appreciative of my offer.This tenant has been resistant to my policies from the beginning, and seems to take any action on my part as aggressive.