One policy covers yourself (e.g. auto, primary home) AND your rentals.The umbrella policy provides liabiilty insurance OVER AND ABOVE a base policy. 

Once leads are pre-qualified, they can then make an appointment based on my schedule through some online calendar.

It's always a good idea to keep thorough records and be prepared to support any changes made to your tax return.If you're uncertain about how to proceed or have concerns, consider consulting with a tax professional for personalized advice based on your specific situation.

Based on my research Moncton seems a good place to invest with respect to current property values, and for long-term appreciation. 

My rentals I had that were cash flow based, never again.

To Summarize, all am looking for is cover my bases from law suits if anything **** happens & to have anonymity. 

Additionally, if you invest in a market that is experiencing rapid expansion in the economic base (like Columbus, Ohio), you'll be able to refi and get into commercial much more rapidly.

@Patrick Thomas Dickinson with her priority being that she only wants to move once, there really is only one option, find the money to buy the other property first. 1) As @Jason Wray suggested go through the work and get a cash-out refi. 2) Get a HELOC 3) Get private money or a hard money loan.The real issue is that being a cash buyer is much better in this Bay Area environment.As a side note, assuming her tax bases is really low on her current home.

I would encourage you to get the existing tenant on a new lease that clearly spells out either the base rent + repayment plan, or better yet, the new base rent that should get you to market-based rent.

There are no guarantees, but purchasing in an up-and-coming or good stable neighborhood close to base will help.