We've moved to updating our list of properties for a given state once a year and updating ownership data more regularly through Direct Skips Property Search option.

They look like a good option if I can't find another property.

My tenants (less than 5 units) usually pay with a money order in person, but I'd like to have another option that also doesn't require a bank account. 

Foothills area is a great option. 

There are not many multi-family options available in my local area, and the ones that are available are overpriced or the current rent rolls are extremely below market average($200-$400 per unit).

There are alternate money options as well. 

Looking for guidance from this amazing group:Opportunity to purchase a condo for a STR that will not quite break even from a cash flow metric (obviously depending on financing option), but I'm good with that.

What are my options at this point as a landlord?

I have never heard of a limited-scope appraisal and will look more into this option.

You shouldn't need any umbrella insurance with Proper since they offer everything in one, but you have the option to up the liability as well.