But since I didn’t and used my own judgement I have a deal that is killing it and will for another 8 years.12 unit 1994 property Solid condition not requiring lots of cap ex.

Therefore, the house will have to be well designed and constructed to have creature-comforts such as solar panels, rain barrels, septic tanks...  

For instance, in NC, judgements are liens on property for 10 years.  

Well unfortunately when it rains, the rain runs down into his yard and creates a mess because there is no place for it to run off.

If the judgement exceeds your umbrella, they will start selling your assets until you get to a point where you can satisfy the entire judgement. 

I have a rubber roof on an apartment building in PNW-lots of rain and wind.

Umbrella policies are extremely inexpensive and very effective especially when the ambulance chaser attorney who doesn’t have the brains to get out of the rain threatens with a lawsuit.

East Texas you see lots of hybrid grapes like Black Spanish, Blanc du Bois, etc that can tolerate the disease pressure, high rain, and high humidity. 

I didn't want to rain on your parade, but I also didn't want to see the authorities after you for unlicensed activity. 

@Kevin Rain, are you noted on the HUD-1 as receiving payment?