The main issue in this country (US) is ghetto/hood mentality.

My wife and I recently bought a home and noticed that some of the ducts (especially the return) were filthy, we got the whole house (Ducts, Returns, and even out dryer exhaust vent) done for about $170.

Less on the researching exhaustively for knowledge and more on the interacting with contractors more efficiently.

I had some serious mental issues in the past year and a half and messed up some things.  

on the flips side I made a 500k flip fee on a 14 lot development.. but I did put up the 50k EM and I did spend about 75k getting it pre plat approved.. then builder closed once all appeals were exhausted.. but I was also prepared to close if he tried to back door me or go around me.. which is not uncommon when you get into the bigger money players.. at the time I did not even realize wholesaling was a thing or you would call it that.. maybe it was a development wholetail since we did put up 125k of risk money :)on the one I just paid the 125k to someone else we have an offer on the table right now from lennar which is a 1mil profit. but again I put up by the time its done 325k to get there.. the mil we get our 325k back then a check for 1 mil if the stars all align .. we could lose 325k also.. rapid appreciation like this I guess those that call appreciation gambling maybe that's exactly what it is... gun slingers.. take me a long time to make 1 mil in a year owing rentals though  LOL..

The Umbrella is triggered when the limits of an underlying policy are exhausted in a claim. 

If that is a serious deal breaker, then for your own mental well being, you may want to suck it up and transfer to another of their properties (WALK THROUGH IT BEFORE YOU DECIDE) for some peace and quiet- you may find it to be worth it. 

On top of that, the island of San Diego has exhausted most of the buildable land within 10 miles of the coast, in the last RE boom ( Carmel Valley, Otay, etc). 

Dealing with serious health issues in the family is a mental, emotional, physical, and financial strain. 

There are also some serious things going on with our church family which take up the most mental space.