It shouldn't be a question of this versus that, both an LLC and an Umbrella Policy are good to CYA. 

Simply put the risk of a non-renewal costs more.

Here's a breakdown of both the risks and opportunities:Risks to ConsiderHigher Interest Rates: Financing is more expensive now, which can compress cash flow and make some deals less appealing on paper.

It sounds like you've done a great job in investing in yourself and taking personal risks. 

I also don't want refinancing risk, so any deals with only 3 to 5 year debt are out for me.

This is in RI so letting the heat out is not just a big cost but a risk.

"What Is The Biggest Risk For 2025" And 13 Other Highlights From DB's 2025 Market Survey"The Deutche Bank 2025 global financial market survey had 471 responses from around the world, and was conducted between the 10th and 13th of December 2024.

I'd recommend looking for a house versus a condo.

Learn about the Net Operating Income (NOI) and Capitalization Rate (Cap Rate)—these are essential to analyzing the potential profitability of a property.Return on Investment (ROI): There are different ways to calculate ROI in real estate, such as looking at your total return after a sale or assessing your rental income versus initial investment.

I'd say the logical paradigm in the question is a bit off.CRE includes everything from airports to golf courses to hospitals to campgrounds.So saying "residential versus commercial" is like saying "bacon versus plant life."