I understand the basic metric i just question its value.

I have a lot to learn and am excited to connect with people in/around Atlanta and across the country. 

Plus the easiest to understand from a landlord perspective. 

Shocking how little regard people have for a brand new house that doesn't belong to them.

I won't be moving in just yet and I'm wary of people just stopping by the property.

I don’t think there is much if any cross over, so while he forum may be a little more active it’s just two groups of people skipping over the others posts to get to theirs.

I have searched through the forums looking for an answer, and I have read that some people say getting an umbrella insurance policy is better.

Many people say they never do, but if they can increase your interest rate 5 or 6% they might. 

Most likely, yes, especially if you have a clause in your lease stating that the written agreement reflects the latest understanding of the parties as to the rights and obligations and that no other promises or statements shall be incorporated to the lease (a preeminence clause).

I built a bunch of houses there an loved it.. prices have SKY rocketed there though holy cow. cant believe the appreciation there.. very under the radar but limited land and houses great place lots of money people and there ya go values through the roof.