I wouldn't pay more than 1.5 points on this type of loan- we typically are around 1-1.5ptsrest are typical costs 

From a tax perspective, the “membership dues instead of rent” idea does not change anything.

Look for FTPR (failure to pay rent )  criminal convictions , lawsuits , etc . 

Taxes & paper trail.Make sure your refinance documents and deed transfer clearly show the ownership change between the entities.

Is this more of an income tax strategy?

Up until now, I have tenants pay through Zelle.

Cash flow pays bills, and appreciation grows wealth.If your goal is long-term financial independence, then you need a rental income that increases faster than inflation and will last throughout your lifetime.

You really need a solid tax strategy and coordination with a CPA to make sure the timing and requirements line up.

It sounds like you need an upgrade to your current CPA/tax professional.

Should I start paying the mortgages from the new LLC for draw money out to the members and pay mortgage from our accounts?