Too much, and you defeat the purpose of REI.  

I'm not an insurance professional but I am a real estate investor/manager; which ever route you decide I would just highlight that you are getting insurance for a reason and it defeats the point to have 'coverage' that will not cover you when you most need it or go with a company that is not stable to support your claim should you ever have one - Me personally, I'd rather pay a bit more for absolute coverage that to pay cheaper premiums and one day turn for help from my company only to realize that they won't.... but the premium was cheap.

The easier "get out of jail" card is to sell the house but I always hesitate to give such self-defeating advice. 

If not, you are basically comingling the personal asset(Its your loan, not LLCs) with the LLC's asset and that defeats the purpose of having the LLC. 

Doesn't that defeat the very heart of these laws?

Im under the impression that the only thing that changes is the property title and if I'm correct wouldn't that still defeat the purpose of the LLC it the loan it's self is still in my personal name?

Best I can tell from previous posts on the site is that if you are having a problem with your DTI ration transfer properties to an "entity"(this is the usual word choice with little insight into what kind of entity the poster is referring to) However, when you dig a little deeper, it seems to be that even if you own property in an LLC if you sign a personal guarantee (which they pretty much always make you do* it all falls to you in individual, and therefore counts against your personal DTI ratio, which at least for this, seems to defeat the purpose.* it seems if you have an LLC with 2 years of tax returns, you can actually have the business get the mortgage, and not have to sign a personal guarantee.

It seems pretty clear to me that the only people I’d be selling these lower end houses to would be other investors and my fear is that all I’d really be doing is working for wages in the end which defeats the purpose of taking the risk to begin with (I could be wrong).

It's sometimes defeating to watch these shows on tv in California where the profit margins seem so much larger.

I guess the finishes are almost top of the line or something. for row houses, finishes tend to be on lower to mid end or it will defeat the purpose of the row house, i mean, if you put sealed hardwood on a row house, it wouldn't make sense spending too much when arv caps it as a row house. just my thoughts.