What would your mortgage company say if you could not pay because a tenant didn't pay rent? 

If one of the members of the LLC operate the company, its member managed.

My company long and foster offer great referral program.

Then I assume major damage, just to be safe if he won't allow an lookee see first.

Properties go to auction Highest bidder wins 30 days later or so you get a tax deed.. depending on title company you may need to wait 1 to 5 years before they will insure title..

Can I get an independent umbrella policy through a different company?

My view is it is fairly accurate if your property is similar to the majority of properties in the vicinity.  

Hello,Anyone has experience with/ knows any property insurance companies, that provides portfolio insurance on properties in NJ and/ or GA? 

There are companies out there offering low interest rates for 30 year fixed mortgages so you would not need to deploy all of your capital into one rental property and then play the waiting game for when interest rates drop. 

I am a 27 year old, born and raised in the metro Detroit area of Michigan, a former collegiate gymnast at EMU and Pitt, a current Manager of a CS team at a highly functional Sports Tech company, AND (most importantly) I am officially a new homeowner as of today!