Make sure you’re named on their insurance and that coverage is strong enough.3. 

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

This structure prioritizes your return before any profits are distributed.Rather than focusing on loan-to-value alone, assess cash flow coverage and how disciplined the operator is with their structure.

Besides the usual coverage, I would like to add water backup and underground service line.

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.

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.

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

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.

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