After exhausting all avenues to cancel my policies with them, it finally took a letter threatening that I'd file a formal complaint with the state's Attorney General office to get them to cancel my policy. 

I would have really liked to invest where i live, but Minnesota really does not have the price point for neighborhoods that will help scale Brrr.As I am just starting out i would like to start in zipcodes which are not already exhausted with Brrr investors. 

The liability coverage from my insurance is primary on the case and like @JD Martin said umbrella kicks in only after the standard coverage of $300K is exhausted.

I led my team on an exhaustive search to find the right CRM for our needs. 

If you haven't already reached out to a lot of potential lenders, I'd reccommend investing time in talking to more lenders, especially local banks or mortgage brokers to try to find one that better understands self-emplyment income.If you've already exhausted that option, seller financing or finding a partner to work with might be ideas worth considering.

For example, if you buy a property at 30% under market value; this allows you to withstand small market corrections and sell quickly to cover your original investment plus selling fees and hopefully have some profit as well.

The proceeds are used to settle debts in order of priority until the proceeds are exhausted and then the title is theoretically marketable.    

exhausted?)

Would you be able to withstand a high dollar capex event/ need or another increase in HOA fees in the future?

The unit above me is having a plumbing leak so I've seen a small amount of water come down through my exhaust fan into my bathroom a few times when she has used the tub.