Any liability gotchas (insurance, mileage, after-hours coverage)?

You can overfund a policy to build up cash value that can be accessed tax-free to supplement your retirement (or use for whatever you want).

You could explore DSCR (Debt-Service Coverage Ratio) loans, which focus on the property's rental income rather than your personal income.

My employer offers health care coverage but employees have to pay 100% of the premiums.

For most landlords, it’s more practical to rely on landlord insurance plus an umbrella policy, which is both stronger in practice and much cheaper to maintain than an LLC.In short, for a single rental or small portfolio, keeping the property in your name with solid insurance coverage is typically the most tax-efficient choice.

Please let me know if you don’t want your name included I’m not planning on divulging phone numbers or email addressesI plan on notifying SEC that I will be providing supplemental information as it becomes available and one more thing which may be important - my friend who is dealing with similar situation regarding another sponsor shared with me that investors and the broker are making legal case to change the property management company and the sponsor in order to protect the asset and protect their capital as much as possible. 

Which I don't mind.Now the commercial policy doesn't have underground service line coverage available.What should I do?

I haven’t seen an investment opportunity presented on these forums where there wasn’t a lender praising the spread (and there are some terrible deals floated in these forums), a completely impractical entity structure floated to be directed by someone they should move forward, the insurance broker ready to sell additional umbrella coverage without understanding the posters business or informing them they should focus more on risk shifting to their vendors policies…you get the idea. 

Is there a minimum debt service coverage ratio or some other cash flow coverage ratio? 

Whether it’s through proper insurance coverage, entity structuring, or estate planning tools, asset protection helps you manage risk and defend your financial security.When used together, these strategies create a powerful defense and offense for your financial life.