A Personal Umbrella can not go over a Commercial policy and a Commercial policy can not go over personal policies.2)  Many Umbrella companies will not do multiple states on a single policy.At the end of the day you have to decide if you are ok with multiple Umbrellas or want a single one for efficiencies. 

And we were able to do this a pennies on the dollar because we are fast and efficient.

I've been in CRE for just over a year and want to efficiently increase my pipeline.

Keep in mind it was an 1800 square foot bilevel with a redwood deck, new windows, new roof, new high efficiency furnace with central air, new bathroom remodels, and a newer kitchen.My opinion is that Covid accelerated a market that was already heating up. 

"In an efficient market at any point in time the actual price of a security or product will be a good estimate of its intrinsic value." - Eugene Fama

You have to have a website, FAQs, eforms, surveys, systems, etc...stuff that gives you leverage and buys you time with efficiencies. 

We plan to have new floors put in and re-do both the kitchens and bathrooms, put new floors everywhere, fix some drywall issues, install electric fireplaces where the old gas ones are, replace the a/c units, install more efficient bathroom fans for better circulation, move laundry room to the kitchen and make the dining room half kitchen and half dining room, as well as a few other things. 

The Question: What's an efficient approach to networking and building a core 4 OOS?  

The recent tax incentive programs with the inflation reduction act got me thinking around how many tax credits, rebate programs, grant programs, loan programs, etc are out there from public and private entities that can help minimize up front costs for home renovations related to energy efficiency / clean energy.As I dug into it I realized how much money / incentives are out there for these types of renovations that I was very uninformed on.

Very energy efficient.