Funny you should ask that just now, because I've been sitting in my car for the past hour almost on my phone contemplating that.

What about reflective window tinting used in cars, like a mirror on the outside.

I have very little consumer debt to speak of (although I have a car about to die and needs replaced).

Thus, they can absorb an unexpected car repair without missing the rent.I am not sure if the new policies would still allow me to do this, as there seemed to be one part of the law that would mandate that landlords accept the security deposit in little bits over 6 months of time.  

Keep it going from the time you get out of your car, to the apartment and through the whole walk through.

That one umbrella policy now goes over and above the base policy on your rentals, your car insurance, your personal home, etc...So, no the umbrella policy is not designed to protect one property from each other. 

Just over 1 hour commute by car most days and the train is very reliable.  

Is the house/rents factored as a house with a 2 car garage, or a house with a car port?

It's easier to steer a moving car than one that is just parked there.

We have a"personal property tax" on our cars that declines with age and value-mine was about $1,500 this year for my year old Lexus.