just having a large liability insurance and a personal umbrella policy?

Personally I would probably sell because I don’t like managing properties more than 5 to 10 minutes from where I live.

Personally, rather than push on rate I would go for max flexibility on the repayment.

If this is for personal use then I'm not sure I'd entertain this idea.

I personally am using the "value add" strategy to get my rentals to cash flow. 

So I have 30 parking spots and really should have 60 spots to be safe for the type of business that is renting. 

Data is something that I love educating investors on because it's a vital part of their business to understand the intricacies. 

Additionally, townhomes appreciate much slower than detached single family homes tend to.My personal advice would be to sell this property and then 1031 either into a better property near you that is low maintenance, or (probably better for you) invest the capital into a syndication or partnering with an active investor where you should get returns better than the stock market. 

This separation helps in maintaining clear financial records and simplifies tax reporting and financial management.Setting up an escrow account specifically for rental income within your LLC can offer several benefits:Financial Clarity: It separates rent payments from other operational expenses, making it easier to track income and expenses related to the rental property.Legal and Compliance: Helps in demonstrating that rental income is kept distinct from personal or other business funds, which can be important for legal and tax compliance purposes.Tenant Transparency: It provides transparency to tenants and other stakeholders regarding where rental payments are deposited and how they are managed.While it may not be a legal requirement in all cases, maintaining an escrow account specifically for rental income is a prudent practice that many experienced investors and landlords follow.

Am I looking at the wrong type of person for the job and should be focused on handymen instead of property managers?