It's basically title light and it will give you an idea of lien situation. 

There is not enough info in your situation for me to reply.

We could simply hire a manager but we could also just create a "quasi-management" situation where we have someone that is boots on the ground and we continue the "office work" which is fine with me.

In my opinion, any savings you would obtain from doing anything other than continuing to rent in your current situation is simply cost avoidance.

I have a little over $3,000 saved with excellent credit - are there many loan options for people in my situation?

Any advice for this situation?

If the purchase price is less than the debt then you have a short sale situation which would involve asking the lender to postpone the sale so you can go through the short sale process. 

If no one responds to it in all three situations, evaluate it is a deal or talk to people on how to make it a better deal. 

I would be very hesitant purchasing in a rural area especially being Out of State unless you know the market very well..Living in an expensive market I’m in a similar situation like you and invest in the 2 biggest cities in NC.

As far as the Umbrella policy goes you should look at an Umbrella Policy as "excess liability" or "secondary coverage" meaning the underlying policy (home or auto) pays first in a claim situation and if the claim exceeds the limits of the underlying policy THEN the Umbrella kicks in.There are companies that will sell you an Umbrella policy without requiring you to buy another policy from them ...but...they still want to verify your underlying coverage on the home and autos.Geico is an Auto insurance company first - they broker out the homeowners policy to other companies which is why you may not be getting good advice from them...plus it's an 800# and the kid you are talking to may not have any real world experience in what you are trying to do so can't think of any solutions.Try reaching out to a local independent agent or a Farmers agent - Farmers has options to put all but one of your autos in "storage mode", and should be able to combo that with your home as a landlord policy thru Foremost then set up an Umbrella policy for you on the entire package.