Since you’ve got a few properties under different setups, an umbrella policy can act as a safety net if something major happens, like a big liability claim that goes beyond your normal insurance limits.

Is it normal, no. 

Quote from @Frank Sichelle:For example, Rise48 has made the statement on one of their capital calls that if you contribute additional funds, the new funds will not only be in a priority position in the capital stack (which is normal) but they will also move the initial capital of those who contribute additional funds to also be in a priority position above the initial capital of those who do not contribute.

Safe and normal or ultra risky and dangerous?   

That said, your comment about only cash flowing $200–$300/month is pretty normal on a house hack right now.

However, the suburb is very desirable and I was getting closer to the deadline and just accepted their counter, I think normally I would have negotiated a bit harder.

Because normally you tell me, I tell their agent, their agent tells the other side.

The wall you normally will run into and why most lenders won't is because once they add their costs in the loan doesn't pass 'points and fees' restrictions. 

So, we would be able to charge a tenant rent for breaking the lease if they didn't give proper notice and moved out. 23 Carpet Cleaning: we charge a $x Cleaning Fee to avoid Michigan Security Deposit issues regarding, "normal wear & tear". 4 & 17.5: we have similar language in our lease, but eviction fees are legally limited in Michigan:(10: This is too vague for Michigan judges and highly likely to be struck from the lease.20: Would not stand in a Michigan court as, "if it's not in writing, it never happened".Again, this should in no way be construed as any type of legal advice and is our opinion only.

Normally you only do the beginning and roll out in the front of the truck as needed.