However, I have been extremely interested in real estate investing over the past month or so.

Hi Bill, Thank you so for your detailed explanation.

If your wife becomes a Real Estate Professional, you could use the depreciation to offset your taxable income if the properties are LTRs.Overall, with depreciation, your property may not generate any income at all so it doesn't hurt being in your name.

So as the original post by @Chad V.  

I had contacted at least 6 different insurance agents so it wasn't the same insurance carrier, and one of them was a broker shopping it around.

I am a mortgage lender and can help give a lot of clarity and insights to you, so please call me at the number below if you would like to discuss further. 

Owners mistakenly ASSUME all PMCs offer the exact SAME SERVICES and PERFORM those services EXACTLY THE SAME WAY, so price is the only differentiator – so, they often select the first PMC they call or that calls them back!

I paid cash, because it was going to move fast... so I thought.1.

If there are the landlord gets paid but Rhino is going to pursue payment from you and you will go to collections so they can try to recoup.I don't like the whole idea and will not be using it. 

I just bought a second rental home with a big lot and I'm going to build an ADU on that lot so I will have 2 homes on that lot once ADU complete.