@Brandon Mix why don’t you ask a title agent to pull a comprehensive property list that includes property address, owner info, etc and then use excel to compare that list with the list of addresses from the City?

The only thing I'm not sure of is whether or not you're more open to lawsuits...I know there is umbrella coverage, but if a lawyer got wind that you owned a lot of properties free and clear, not sure if that could more easily make things bad for an investor.

If it would result in dropping insurance coverage, that might qualify for an exemption, but I am not a lawyer, (I don't even play one on TV), so you really need to check with a reputable lawyer, preferably one who specializes in tenant/landlord law before denying the tenant on this item alone.  

The qualifications are differenct for commercial loans; the commercial lender looks at the DSCR (debt service coverage ratio) for the deal  and borrowers overall financial picture rather than the borrowers DTI (debt to income)3.

My solution for now is I got myself a huge personally liability insurance coverage.

If you are planning on buying D class or F class properties, I would purchase in an LLC and just max out the liability coverage per policy on each property since these are riskier.

If your tenant has an attorney you had better believe he will raise it.Some believe it is a magic bullet against liability and they may not carry adequate insurance coverage.

For some in-depth coverage of the rules that address some oft-overlooked nuances, you can have look here.

Insurance agent, said I can carry more than enough liability coverage to cover contingent liabilities.In addition, my bank does not do commercial loans for real estate.In regards to the LLC , I can secure a loan, but will be paying a higher rate and have a 25 year term.

Portfolio lenders use debt service coverage ratio instead.