In doing a little more research online, I came across a great list of things to consider when shopping for umbrella policies - most of which, I was not thinking about.

As to contacting other lenders, be careful but yes you can certainly shop around.

Always looking to grab a lunch or cup of coffee with other investors to talk shop.  

I read the basics and listen to some podcasts on this site (which I get all my info here) to equip me with a mindset of an real estate wholesaler.I want to start now with the knowledge I have, continue learning as I go(do any body thinks that's a good idea?). 

It has an advantage to a real estate investor in that there are a lot of nearby attractions that draw visitors, Sporting Park, NASCAR track and the Legends shopping district.  

If that is confusing, would a 2,500 square foot lot zoned B3-2 (community shopping district) be restricted to one ground floor commercial space and one upper floor residential unit, or could a developer build two residential units?

I'm starting to shop around to see if I can find a comparable policy at a better price, and came across NuVantage.

-Minutes drive from Shockoe Bottom, Canal Walk, and MCV -Numerous art galleries and antique shops About the Property -3 bedroom / 1.5 bathrooms single-family house -Carpeted bedrooms -Washer/dryer -Off street parking -Security system -Large planted backyard to relax with friends -Enormous walk-in closet, private upstairs porch -TV, internet, water included -Lease information -Renewable quarterly (every three months) -Available on 10/21 Minimum Qualifications -Gross income must be 3 times the monthly rent (You must make $1500/month before taxes) -Clean background and eviction record -Favorable credit score -Good rental references from previous landlords About me -Ian, 23 years old, young professional in finance -Alma Mater: Virginia Tech -Moderate cleanliness (I clean and keep things clean) -Interests: Ornithology, competitive checkers, avid bar hopper Sorry, no pets allowed.

Afterall, who wants to talk shop just for the fun of it?

Went to firehall trained on our new thermal imager(VERY COOL) crawled around in warehouse looking in camera for body heat signature of hidden victims.Came home, fell asleep at computer trying to post on BP.