Now, I want to quit my job as soon as possible because, frankly, I can't tolerate my boss anymore.

I was advised to just spend money on a good liability umbrella policy.

I followed up and found out that the underwriters said no because there is a commercial insurance policy on the rented detached house (AmFam agent said this is how it has to be).So, good rates, good customer service, until you don't hear that the underwriters said no.

We have a property manager who bleeds us and produces zero results.

The CFPB is already taking an active interest in the issue and is finding ways to fine and penalize for this on the Federal level.The solution is a robust Loan Policy and Procedure Manual that can explain and defend higher deficiency rates.

Most companies and policies will reimburse you for your efforts to do this.

If it's in person, local contact you are looking for, in Southern Maine check out Southern Maine Landlords Association - they have a website online, and monthly meetings.But I urge you to dig down a bit more, and see what your strengths, weaknesses, interests, and risk tolerance is before you look for 1:1 mentoring.

A few properties I have in Indy has [current] quote/policy at $5000 deductible and about 700/year, looking for good insurance agent with experience working with out of state investors.Please contact me

When you divide by zero your returns head toward infinity.

Insurance-wise, sounds like you need a builder's risk policy.