You're in a saturated marker so kudos to you for going all in. 

What does this mean for existing investors and potential newbies?

I have an insurance policy (in my LLC name) for each property.I was wondering if this is common, or is it better to have one Umbrella-type policy that includes all the properties, so insteadt of having to get a new house added to my existing policy, I would be able to just add a new house to an "umbrella policy"Thanks!

We are working with few options, but it is difficult to get positive cash-flow because of the financing costs..Now that the mortgage rates are down, would like to see whether any better options are available (We are trying to close the deals with cash, by refinancing the existing rentals.) 

Murphy" exception the Fair Housing Act that allows landlords to discriminate on certain things if they are living in the property being rented out, but it may be limited or non-existent in your area. 

Hi all,With the Coronavirus reaction pushing the Fed’s interest rate to 0% I’m looking at refinancing our existing USAA VA home loan into a 30 year conventional.

Overnight success does NOT exist.  

The existing rate can not be extended.'

As an SBA professional I wanted to make you all aware that the SBA has a long standing policy to allow for loan deferments to handle temporary cash flow disruptions, which the Covid19 event qualifies as.This pertains to all borrowers who have an existing SBA 7a, 504 or Microloan.Loan deferment can be done unilaterally by your lender.

SETTLEMENT COSTS: Buyer agrees to pay all settlement costs and charges including, but not limited to, all Lender's fees in connection herewith, including title examination and title insurance fees, loan insurance premiums, all document preparation and recording fees, notary fees, survey fees where required, and all recording charges, except those incident to clearing existing encumbrances or title defects, except if Buyer is a Veteran obtaining VA financing, those prohibited to be paid by a Veteran obtaining VA financing,which prohibited charges shall be paid by Seller.